3208 Windsor Dr, Charlotte, NC 28209 Property Records

Mecklenburg County property record for 3208 Windsor Dr, Charlotte, NC 28209

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 4,092 sqft · built 2018
Lot Size	0.36 acres (15,682 sqft)
Owner	2 Individual Names on File
Last Sale	$430,000 (Jul 2016)
Tax Bill	$9,755 (2024)
Deeds & Mortgages	Apr 2026 Line of Credit Feb 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`175-091-07`

Property Details

APN / Parcel Number

Primary APN	`175-091-07`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,092 sqft Living Area
1st Floor Area	1,680 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Raised
Roof Type	Gable
Roof Material	Other
Lot Area	15,682 sqft (0.36 acres)
Garage Area	576 sqft
Porch	Enclosed/Finished Porch
Porch Area	165 sqft
Patio Area	24 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3208 WINDSOR DR
City	CHARLOTTE
State	NC
Zip	28209-3352
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	L13 BE M3-534
Legal Subdivision	H C SHERRILL CO PROP
Legal Block	E
Legal Lot Number	13
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	1
Census Block	1003
Census Tract	2910

Owner

3208 Windsor Dr is owned and occupied by two individuals who bought it in July 2016.

Source: Mecklenburg County records, as of May 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3208 WINDSOR DR, CHARLOTTE, NC 28209-3352
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
Apr 7, 2026	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CREDIT UNION
Feb 15, 2023	Deed of Trust, Mortgage · Line of Credit ALLEGACY FCU
Sep 25, 2019	Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK
Nov 1, 2017	Trustee's Deed, Construction Loan · Construction Mortgage CITIZENS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 8, 2016 · Amount on File
Deed Sale	Jul 8, 2016 · Amount on File
Prior Sale	Jul 15, 2005 · Amount on File
Deed Document Number	201687436
Deed Book / Page	30975 / 807
Prior Transfer Date	May 5, 2004
Prior Transfer Doc	0000102632
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Recording Date	Apr 7, 2026
Property Address	3208 WINDSOR DR, CHARLOTTE, NC 28209-3352
Document Number	0000034719
Book / Page	40325 / 159
Instrument Date	Apr 2, 2026
Instrument	202634719
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	LENDER RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3208 WINDSOR DR, CHARLOTTE, NC 28209-3352

Mortgage

Document Number	0000034719,
Date	Apr 7, 2026
Book Page	40325/159
Instrument	202634719

Lender

Name	STATE EMPLOYEES CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate	6%
Max Rate	-1%

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	3208 WINDSOR DR, CHARLOTTE, NC 28209-3352
Transaction Type	Mortgage
Record Updated	May 25, 2023
Title Company	NOT AVAILABLE, FREEDOM ESCROW & TTL RESOLUT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012980
Date	Feb 15, 2023
Book Page	37934/871
Instrument	2023012980

Lender

Name	ALLEGACY FCU
Type	Credit Union
Address	WINSTON SALEM, NC 27114

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Feb 14, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	3208 WINDSOR DR, CHARLOTTE, NC 28209-3352
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000127797
Date	Sep 25, 2019
Book Page	33882/005
Instrument	2019127797

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	314 Months
Due	Nov 14, 2045

November 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Nov 1, 2017
Property Address	3208 WINDSOR DR, CHARLOTTE, NC 28209-3352
Book / Page	032242 / 000595
Instrument Date	Oct 27, 2017
Instrument	148392
Transaction Type	Construction Loan
Record Updated	Feb 20, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3208 WINDSOR DR CHARLOTTE NC 282093352, CHARLOTTE, NC 28209-3352

Mortgage

Document Number	0000148392
Date	Nov 1, 2017
Book Page	032242/000595
Instrument	148392

Lender

Name	CITIZENS BK
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 31, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.75%

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		$1,268,050 Land $460,000 Building $808,050	$1,268,050 Land $460,000 Building $808,050
2024	$9,755.00

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

Flood

FEMA maps place 3208 Windsor Dr in Zone X, an area of minimal flood risk, though there have been 29 flood claims nearby since 2010.

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
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	48 units insured incl. 42 condo units
Nearby Flood Claims	29 (2010–2026)
Most Recent Claim	Jul 2026 · 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 3208 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 96% of the US · lower than 97.9% 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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