3111 Windsor Dr, Charlotte, NC 28209 Property Records

Mecklenburg County property record for 3111 Windsor Dr, Charlotte, NC 28209

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 3,675 sqft · built 1948
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on File
Last Sale	$650,000 (Jun 2009)
Tax Bill	$8,953 (2025)
Deeds & Mortgages	May 2026 Line of Credit Sep 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`175-093-09`

Property Details

APN / Parcel Number

Primary APN	`175-093-09`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,675 sqft Living Area
1st Floor Area	2,034 sqft
Upper Floors Area	1,641 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Effective Year Built	Effective 2005
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Raised
Roof Type	Gable
Roof Material	Other
Lot Area	11,326 sqft (0.26 acres)
Garage Area	240 sqft
Porch	Finished/Open Porch
Porch Area	140 sqft
Deck Area	20 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	3111 WINDSOR DR
City	CHARLOTTE
State	NC
Zip	28209-3349
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	L2 BI M3-535
Legal Subdivision	WOODRIDGE
Legal Block	I
Legal Lot Number	2
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	3
Census Block	3010
Census Tract	2702

Owner

3111 Windsor Dr is owned and occupied by two individuals who acquired it in April 2015.

Source: Mecklenburg County records, as of June 5, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3111 WINDSOR DR, CHARLOTTE, NC 28209-3349
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 20, 2026	Deed of Trust, Mortgage · Line of Credit PENTAGON FEDERAL CREDIT UNION
Sep 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE FEDERAL SAVINGS BANK
Sep 19, 2017	Deed of Trust, Mortgage · Commercial Mortgage TCF NATIONAL BANK
Sep 19, 2017	Deed of Trust, Mortgage · ARM WINTRUST MORTGAGE
Feb 19, 2019	Deed of Trust, Mortgage · Commercial Mortgage TCF NATIONAL BANK
Feb 15, 2019	Deed of Trust, Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 16, 2009 · Amount on File
Deed Sale	Jun 16, 2009 · Amount on File
Prior Sale	Jun 6, 2007 · Amount on File
Deed Document Number	200984719
Deed Book / Page	24837 / 792
Last Transfer Date	Apr 3, 2015
Transfer Doc	0000041402
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Recording Date	May 20, 2026
Property Address	3111 WINDSOR DR, CHARLOTTE, NC 28209-3349
Document Number	0000053357
Book / Page	40438 / 253
Instrument Date	May 14, 2026
Instrument	202653357
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3111 WINDSOR DR, CHARLOTTE, NC 28209-3349

Mortgage

Document Number	0000053357,
Date	May 20, 2026
Book Page	40438/253
Instrument	202653357

Lender

Name	PENTAGON FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 29, 2056

Interest

Rate Type	Adjustable Rate
Rate	7%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	3111 WINDSOR DR, CHARLOTTE, NC 28209-3349
Transaction Type	Mortgage
Record Updated	May 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000182227
Date	Sep 23, 2021
Book Page	36560/531
Instrument	2021182227

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60639

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	362 Months
Due	Nov 1, 2051

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	3111 WINDSOR DR, CHARLOTTE, NC 28209-3349
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000126973
Date	Sep 19, 2017
Book Page	32130/782
Instrument	2017126973

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 23, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	3111 WINDSOR DR, CHARLOTTE, NC 28209-3349
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE RESIDENTI

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000126446
Date	Sep 19, 2017
Book Page	32128/497
Instrument	2017126446

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company
Address	DES PLAINES, IL 60018

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Oct 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9%
Index	1-Year LIBOR
Max Rate	9%

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	3111 WINDSOR DR, CHARLOTTE, NC 28209-3349
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000018104
Date	Feb 19, 2019
Book Page	33293/050
Instrument	2019018104

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SANTA ANA, CA 92707

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 23, 2049

Interest

Rate Type	Adjustable Rate

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	3111 WINDSOR DR, CHARLOTTE, NC 28209-3349
Document Number	0000017945
Instrument Date	Feb 15, 2019
Transaction Type	Mortgage
Record Updated	Mar 7, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3111 WINDSOR DR CHARLOTTE NC 282093349, CHARLOTTE, NC 28209-3349

Mortgage

Document Number	0000017945
Date	Feb 19, 2019
Book Page	033292/000274
Instrument	17945

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Amount	Amount on Record
Term	360 Months
Due	Feb 18, 2049

Interest

Rate Type	Adjustable Rate
Rate	4%

Tax Assessment & Valuation

The 2025 property tax bill for 3111 Windsor Dr was $8,953.

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	$8,953.00	$1,144,800 Land $460,000 Building $684,800	$1,144,800 Land $460,000 Building $684,800

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

Flood

FEMA maps place 3111 Windsor Dr 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	3 in force
Nearby Flood Claims	13 (1982–1998)
Most Recent Claim	Apr 1998 · 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 3111 Windsor Dr is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 96% of North Carolina
Wildfire Likelihood	0.02% 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 271 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	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Google Fiber.

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