1908 Dugan Dr, Charlotte, NC 28270 Property Records

Mecklenburg County property record for 1908 Dugan Dr, Charlotte, NC 28270

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,097 sqft · built 1987
Lot Size	0.41 acres (17,860 sqft)
Owner	2 Individual Names on Record
Last Sale	$395,000 (Jul 2015)
Tax Bill	$4,865 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Dec 2020 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`227-351-95`

Property Details

APN / Parcel Number

Primary APN	`227-351-95`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,097 sqft Living Area
1st Floor Area	1,441 sqft
Upper Floors Area	1,656 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 2000
Exterior Material	Brick
Foundation Type	Raised
Roof Type	Hip
Roof Material	Asphalt
Lot Area	17,860 sqft (0.41 acres)
Garage Area	528 sqft
Porch	Finished/Open Porch
Porch Area	220 sqft
Deck Area	432 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Street Address	1908 DUGAN DR
City	CHARLOTTE
State	NC
Zip	28270-9772
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	L53B2M21-448
Legal Subdivision	HUNTINGDON 03
Legal Block	2
Legal Lot Number	53
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	1
Census Block	1001
Census Tract	5832

Owner

Source: Mecklenburg County records, as of June 3, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	1908 DUGAN DR, CHARLOTTE, NC 28270-9772
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2022	Deed of Trust, Mortgage · Line of Credit CHARLOTTE METRO FCU
Dec 21, 2020	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Oct 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage TD BANK NA
Jul 9, 2019	Deed of Trust, Mortgage · Conventional Mortgage TD BANK NA
Apr 20, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2015 · Amount on Record
Deed Sale	Jul 1, 2015 · Amount on Record
Prior Sale	Sep 4, 2003 · Amount on Record
Deed Document Number	201583846
Deed Book / Page	30096 / 593
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	1908 DUGAN DR, CHARLOTTE, NC 28270-9772
Transaction Type	Mortgage
Record Updated	May 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000128410
Date	Sep 9, 2022
Book Page	37632/859
Instrument	2022128410

Lender

Name	CHARLOTTE METRO FCU
Type	Credit Union
Address	CHARLOTTE, NC 28204

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 8, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	1908 DUGAN DR, CHARLOTTE, NC 28270-9772
Transaction Type	Mortgage
Record Updated	Feb 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000216536
Date	Dec 21, 2020
Book Page	35458/322
Instrument	2020216536

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	RENO, NV 89501

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jan 11, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	1908 DUGAN DR, CHARLOTTE, NC 28270-9772
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000163936
Date	Oct 6, 2020
Book Page	35146/247
Instrument	2020163936

Lender

Name	TD BANK NA
Type	Bank
Address	WILMINGTON, DE 19808

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	1908 DUGAN DR, CHARLOTTE, NC 28270-9772
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000086389
Date	Jul 9, 2019
Book Page	33655/916
Instrument	2019086389

Lender

Name	TD BANK NA
Type	Bank
Address	WILMINGTON, DE 19808

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	1908 DUGAN DR, CHARLOTTE, NC 28270-9772
Document Number	0000060840
Instrument Date	Apr 20, 2017
Transaction Type	Mortgage
Record Updated	Aug 18, 2018
Title Company	LENDER RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1908 DUGAN DR CHARLOTTE NC 282709772, CHARLOTTE, NC 28270-9772

Mortgage

Document Number	0000060840
Date	May 9, 2017
Book Page	031786/000715
Instrument	60840

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 8, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Mecklenburg County assessment roll, as of September 9, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,865.00	$611,700 Land $150,000 Building $461,700	$611,700 Land $150,000 Building $461,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

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	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	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 151 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Windstream DSL	100 / 20

May also be available: AT&T, Google Fiber.

Cell Coverage

5G (outdoors only) and 4G LTE

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