1620 Penderlea Ln, Matthews, NC 28105 Property Records

Mecklenburg County property record for 1620 Penderlea Ln, Matthews, NC 28105

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,750 sqft · built 1999
Lot Size	0.36 acres (15,689 sqft)
Owner	Individual Name on File
Last Sale	$391,500 (May 2003)
Tax Bill	$7,202 (2023)
Deeds & Mortgages	May 2023 Line of Credit Feb 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`227-641-23`

Property Details

APN / Parcel Number

Primary APN	`227-641-23`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,750 sqft Heated Area
Gross Area	5,187 sqft
1st Floor Area	1,684 sqft
Upper Floors Area	2,066 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Architectural Style	Other
Exterior Material	Brick Veneer
Foundation Type	Raised
Roof Material	Wood
Lot Area	15,689 sqft (0.36 acres)
Garage Area	611 sqft

Exterior Amenities

Pool Area	81 sqft
Porch	Porch
Porch Area	408 sqft
Deck Area	418 sqft
Patio Area	418 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	227-641-23
Street Address	1620 PENDERLEA LN
City	MATTHEWS
State	NC
Zip	28105-6848
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-15
Legal Description	L54 M28-21
Legal Subdivision	PROVIDENCE MANOR PH 02
Legal Lot Number	54
Jurisdiction	MECKLENBURG NC
Township / Civil Division	5, PROVIDENCE
Census Block Group	1
Census Block	1010
Census Tract	5832

Owner

1620 Penderlea Ln is owned and occupied by an individual who bought it in May 2003.

Source: Mecklenburg County records, as of May 24, 2023

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1620 PENDERLEA LN, MATTHEWS, NC 28105-6848
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 26, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Feb 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Jul 30, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Oct 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 30, 2003 · Amount on File
Deed Sale	May 30, 2003 · Amount on File
Prior Sale	Aug 13, 1999 · Amount on File
Deed Document Number	0015430666
Deed Book / Page	15430 / 0666
Record Updated	Jun 7, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	1620 PENDERLEA LN, MATTHEWS, NC 28105-6848
Transaction Type	Mortgage
Record Updated	Jun 12, 2023
Title Company	WFG LENDER SERVICES, WFG LENDER SERVICES RESWARE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000049214
Date	May 26, 2023
Book Page	38146/892
Instrument	2023049214

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 17, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	1620 PENDERLEA LN, MATTHEWS, NC 28105-6848
Transaction Type	Mortgage
Record Updated	May 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000029004
Date	Feb 15, 2021
Book Page	35674/57
Instrument	2021029004

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	1620 PENDERLEA LN, MATTHEWS, NC 28105-6848
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000095058
Date	Jul 30, 2018
Book Page	32864/446
Instrument	2018095058

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 16, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	1620 PENDERLEA LN, MATTHEWS, NC 28105-6848
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000171577
Date	Oct 16, 2020
Book Page	35192/291
Instrument	2020171577

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2035

Tax Assessment & Valuation

Source: Mecklenburg County assessment roll, as of January 1, 2023

Property Jurisdictions

Type	Name
State	North Carolina
County	Mecklenburg County
Municipality	Matthews Town
Unified School District	Charlotte-Mecklenburg Schools (PK - 12)

Flood

FEMA maps place 1620 Penderlea Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective October 3, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	8 in force
Nearby Flood Claims	5 (2008–2018)
Claims Outside the SFHA	3 of 5
Most Recent Claim	Sep 2018 · Hurricane Florence
Claims by Event	Hurricane Florence, Sep 2018 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 1620 Penderlea Ln is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	LAMPLIGHTER SOUTH-DANBY private · serves 3,297 people · EPA ID NC0160156
Water Source	Purchased surface water from LANCASTER COUNTY W&SD
Last State Inspection	Sep 2025
Also Mapped Here	CHARLOTTE WATER
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 181 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Google Fiber Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Windstream DSL · Fiber in parts of the area	200 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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