3221 Pinehurst Pl, Charlotte, NC 28209 Property Records

Mecklenburg County property record for 3221 Pinehurst Pl, Charlotte, NC 28209

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 5,022 sqft · built 2017
Lot Size	0.273 acres (11,916 sqft)
Owner	Individual Name on File
Last Sale	$1,550,000 (Jul 2021)
Tax Bill	$14,736 (2023)
Deeds & Mortgages	Nov 2020 Mortgage Apr 2020 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`175-096-24`

Property Details

APN / Parcel Number

Primary APN	`175-096-24`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	5,022 sqft Heated Area
Gross Area	1,381 sqft
1st Floor Area	1,351 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	11,916 sqft (0.273 acres)
Porch	Porch
Porch Area	30 sqft
Patio Area	360 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	175-096-24
Street Address	3221 PINEHURST PL
City	CHARLOTTE
State	NC
Zip	28209-3103
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	L22B A M3-534&5
Legal Subdivision	WAKEFIELD FARM
Legal Lot Number	22B
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	1
Census Block	1000
Census Tract	2910

Owner

3221 Pinehurst Pl is owned and occupied by an individual who bought it in July 2021.

Source: Mecklenburg County records, as of July 10, 2023

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	3221 PINEHURST PL, CHARLOTTE, NC 28209-3103
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
Nov 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage COGENT BANK
Apr 7, 2020	Deed of Trust, Mortgage · Line of Credit COGENT BANK
Jul 22, 2021	Warranty Deed, Transfer · Conventional Mortgage AMERICAN SECURITY MORTGAGE CORP
Mar 21, 2017	Warranty Deed, Transfer · ARM SOUTH STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 22, 2021 · Amount on File
Deed Sale	Jul 22, 2021 · Amount on File
Prior Sale	Mar 21, 2017 · Amount on File
Deed Document Number	0036323911
Deed Book / Page	36323 / 911
Record Updated	Jun 7, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	3221 PINEHURST PL, CHARLOTTE, NC 28209-3103
Transaction Type	Mortgage
Record Updated	Aug 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000198816
Date	Nov 24, 2020
Book Page	35355/512
Instrument	2020198816

Lender

Name	COGENT BANK
Type	Bank
Address	NASHVILLE, TN 37201

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Dec 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	7.75%
Index	1-Year CMT
Max Rate	7.75%

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	3221 PINEHURST PL, CHARLOTTE, NC 28209-3103
Transaction Type	Mortgage
Record Updated	Aug 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000048877
Date	Apr 7, 2020
Book Page	34449/233
Instrument	2020048877

Lender

Name	COGENT BANK
Type	Bank
Address	CHARLOTTE, NC 28204

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	239 Months
Due	Mar 23, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Jul 22, 2021
Property Address	3221 PINEHURST PL, CHARLOTTE, NC 28209-3103
Document Number	0000141313
Book / Page	36323 / 911
Map Reference	MB 3 PG 534
Instrument Date	Jul 22, 2021
Instrument	2021141313
Transaction Type	Transfer
Record Updated	May 25, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,100.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1333 TOWNES RD, CHARLOTTE, NC 28209-4114

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3221 PINEHURST PL, CHARLOTTE, NC 28209-3103

Mortgage

Document Number	0000141314
Date	Jul 22, 2021
Instrument	2021141314

Lender

Name	AMERICAN SECURITY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2036

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Mar 21, 2017
Property Address	3221 PINEHURST PL, CHARLOTTE, NC 28209-3103
Document Number	0000035956
Book / Page	31652 / 665
Map Reference	MB3 PG534
Instrument Date	Mar 21, 2017
Instrument	2017035956
Transaction Type	Transfer
Record Updated	Aug 23, 2022

Transaction

Amount	Amount on Record
Tax	$720.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5122 RED CEDAR LN, 5122, CHARLOTTE, NC 28226-5860

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3206 PINEHURST PL, CHARLOTTE, NC 28209-3104

Mortgage

Document Number	0000035957
Date	Mar 21, 2017
Instrument	2017035957

Lender

Name	SOUTH STATE BANK
Type	Non-Lending Institution

Agreement

Type	ARM
Amount	Amount on Record
Term	277 Months
Due	Apr 1, 2040

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	Apr 1, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	88.7%
Index	1-Year LIBOR
Max Rate	8.87%

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$14,736.00	$1,527,100 Land $460,000 Building $1,067,100	$1,527,100 Land $460,000 Building $1,067,100

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

Flood

FEMA maps place 3221 Pinehurst Pl 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 3221 Pinehurst Pl 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 96% of the US · lower than 97.9% of North Carolina
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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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