Richmond County property record for 321 Charlotte St, Hamlet, NC 28345
| Property Type | Commercial |
|---|---|
| Details | 4 ba · 3,348 sqft · built 1945 |
| Lot Size | 2.16 acres (94,500 sqft) |
| Owner | Company Name on Record |
| Last Sale | $594,000 (Oct 2022) |
| Tax Bill | $3,164 (2026) |
| Deeds & Mortgages | May 2023 Mortgage Oct 2022 Sale & Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 748112958156 |
| Primary APN | 748112958156 |
|---|---|
| Alternative APNs |
|
| Full Baths | 4 Baths |
|---|---|
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 16 Rooms |
| Units | 12 Units |
| Stories | 1 Story |
| Building Area | 3,348 sqft Total Area |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Multi-Family |
| Exterior Material | Brick |
| Foundation Type | Masonry |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 94,500 sqft (2.16 acres) |
| Lot Dimensions | 350 ft deep x 270 ft wide |
| Porch | Porch |
| Porch Area | 216 sqft |
| Total Buildings | 4 Buildings |
| Sewer | Municipal |
|---|---|
| Water Source | Commercial |
| Account Number | 61507301 |
|---|---|
| Street Address | 321 CHARLOTTE ST |
| City | HAMLET |
| State | NC |
| Zip | 28345-2684 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | LT AND DWELL CHARLOTTE C |
| Legal Subdivision | F R WHITAKER |
| Jurisdiction | RICHMOND NC |
| Township / Civil Division | MARKS CREEK |
| Census Block Group | 3 |
| Census Block | 3029 |
| Census Tract | 971000 |
Source: Richmond County records, as of October 13, 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 | Company Name on Record |
|---|---|
| Mailing Address | 10916 E INDEPENDENCE BLVD, MATTHEWS, NC 28105-4602 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| May 30, 2023 | Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA |
| Oct 24, 2022 | Warranty Deed, Transfer · Line of Credit FIRST NATIONAL BANK OF PENNSYLVANIA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 24, 2022 · Amount on Record |
| Deed Sale | Oct 24, 2022 · Amount on Record |
| Prior Sale | Dec 20, 2016 · Amount on Record |
| Deed Document Number | 2022271193 |
| Deed Book / Page | 1946 / 205 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RICHMOND NC |
| Property Address | 321 CHARLOTTE ST, HAMLET, NC 28345-2684 |
| Transaction Type | Mortgage |
| Record Updated | Jun 13, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1506 LAUREL HILL DR, WAXHAW, NC 28173-0205 |
| Document Number | 001967/219 |
|---|---|
| Date | May 30, 2023 |
| Book Page | 1967/219 |
| Instrument | 274119 |
| Name | FIRST NATIONAL BANK OF PENNSYLVANIA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28209 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RICHMOND NC |
| Recording Date | Oct 24, 2022 |
| Property Address | 321 CHARLOTTE ST, HAMLET, NC 28345-2684 |
| Document Number | 001946/205 |
| Book / Page | 1946 / 205 |
| Instrument Date | Oct 17, 2022 |
| Instrument | 271193 |
| Transaction Type | Transfer |
| Record Updated | Nov 9, 2022 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,188.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 158, ROCKINGHAM, NC 28380-0158 |
| Name | Verified Name |
|---|---|
| Address | 1506 LAUREL HILL DR, WAXHAW, NC 28173-0205 |
| Document Number | 0000271194 |
|---|---|
| Date | Oct 24, 2022 |
| Instrument | 271194 |
| Name | FIRST NATIONAL BANK OF PENNSYLVANIA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
Source: Richmond County assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Richmond County |
| Municipality | Hamlet City |
| Unified School District | Richmond County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,164.00 (+1.97%) | $206,633 (+10.65%) Land $57,673 Building $148,960 | $206,633 (+10.65%) Land $57,673 Building $148,960 |
| 2023 | $3,103.00 | $186,742 Land $57,673 Building $129,069 | $186,742 Land $57,673 Building $129,069 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective July 7, 2014 · 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 |
| Nearby Flood Policies | 2 in force |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · above 50% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | HAMLET WATER SYSTEM serves 10,635 people · EPA ID NC0377010 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | May 2026 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | Turbidity resolved · May 2025 Total trihalomethanes resolved · Apr 2023 Haloacetic acids resolved · Jan 2023 |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| Monitoring and Reporting | 4 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.
Source: FCC Broadband Data Collection, based on 279 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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