1644 Morningside Dr, Charlotte, NC 28205 Property Records

Mecklenburg County property record for 1644 Morningside Dr, Charlotte, NC 28205

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,251 sqft · built 1946
Lot Size	0.204 acres (8,910 sqft)
Owner	Individual Name on File
Last Sale	$405,000 (Oct 2018)
Tax Bill	$5,660 (2023)
Deeds & Mortgages	May 2025 Sale & Second Mortgage May 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`095-092-14`

Property Details

APN / Parcel Number

Primary APN	`095-092-14`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,251 sqft Heated Area
Gross Area	1,447 sqft
1st Floor Area	1,255 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1946
Architectural Style	Other
Exterior Material	Composition/Composite
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	8,910 sqft (0.204 acres)
Garage Area	160 sqft
Porch	Porch
Porch Area	133 sqft
Patio Area	105 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	095-092-14
Street Address	1644 MORNINGSIDE DR
City	CHARLOTTE
State	NC
Zip	28205-3730
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-5
Legal Description	L16 B2 M230-91
Legal Subdivision	EASTERN RETREAT
Legal Block	2
Legal Lot Number	16
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	3
Census Block	3032
Census Tract	1200

Owner

1644 Morningside Dr is owned and occupied by an individual who bought it in October 2018.

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

Owner of Record	Individual Name on File
Mailing Address	1644 MORNINGSIDE DR, CHARLOTTE, NC 28205-3730
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 15, 2025	Warranty Deed, Transfer · Stand-Alone Second Mortgage RUSS BODNER ETAL
May 19, 2017	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MTG
Oct 15, 2018	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 15, 2018 · Amount on File
Deed Sale	Oct 15, 2018 · Amount on File
Prior Sale	Feb 6, 1998 · Amount on File
Deed Document Number	0033044888
Deed Book / Page	33044 / 888
Record Updated	Sep 20, 2026

May 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	May 15, 2025
Property Address	1644 MORNINGSIDE DR, CHARLOTTE, NC 28205-3730
Document Number	0000047360
Book / Page	39586 / 84
Map Reference	MB 230 PG 91
Instrument Date	May 15, 2025
Instrument	2025047360
Transaction Type	Transfer
Record Updated	May 22, 2026
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS COMPANY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,216.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	501 MATTISON AVE APT 101, 101, AMBLER, PA 19002-4649

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1644 MORNINGSIDE DR, CHARLOTTE, NC 28205-3730

Mortgage

Document Number	0000047361
Date	May 15, 2025
Instrument	2025047361

Lender

Name	RUSS BODNER ETAL
Type	Private Party

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2055

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	1644 MORNINGSIDE DR, CHARLOTTE, NC 28205-3730
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000065978
Date	May 19, 2017
Book Page	31812/077
Instrument	2017065978

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	TROY, MI 48083

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2047

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	1644 MORNINGSIDE DR, CHARLOTTE, NC 28205-3730
Document Number	0000091440
Instrument Date	Jun 17, 2020
Transaction Type	Mortgage
Record Updated	Jul 14, 2020
Title Company	SOLIDIFI TITLE AND CLOSING, SOLIDIFI TITLE & CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1644 MORNINGSIDE DR CHARLOTTE NC 282053730, CHARLOTTE, NC 28205-3730

Mortgage

Document Number	0000091440
Date	Jun 22, 2020
Book Page	034711/000898
Instrument	91440

Lender

Name	AMERISAVE MTG
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 21, 2050

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Oct 15, 2018
Property Address	1644 MORNINGSIDE DR, CHARLOTTE, NC 28205-3730
Document Number	0000129873
Book / Page	33044 / 888
Map Reference	MB230 PG91
Instrument Date	Oct 15, 2018
Instrument	2018129873
Transaction Type	Transfer
Record Updated	Jun 15, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$810.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7542 VALLEYBROOK RD, 7542, CHARLOTTE, NC 28270-6551

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1644 MORNINGSIDE DR, CHARLOTTE, NC 28205-3730

Mortgage

Document Number	0000129874
Date	Oct 15, 2018
Instrument	2018129874

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

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

Flood

FEMA maps place 1644 Morningside Dr in Zone X, an area of minimal flood risk, though there have been 30 flood claims nearby since 1979.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 16 policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	30 (1979–2021)
Claims Outside the SFHA	6 of 30
Most Recent Claim	Mar 2021 · rainfall accumulation

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 1644 Morningside Dr is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 99% of North Carolina
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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	CHARLOTTE WATER serves 1,206,285 people · EPA ID NC0160010
Water Source	Surface water
Last State Inspection	Jul 2025
Lead	Under 1 ppb (2023–2025) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 446 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	1,000 / 75
T-Mobile Fixed Wireless	100 / 20

May also be available: Google Fiber.

Nearby Properties on Morningside Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures