Mecklenburg County property record for 3221 Windrow Ln, Matthews, NC 28105
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,468 sqft · built 1972 |
| Lot Size | 1.13 acres (49,528 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $277,000 (Dec 2016) |
| Tax Bill | $3,624 (2023) |
| Deeds & Mortgages | Dec 2025 Mortgage Sep 2021 Second Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 215-161-16 |
| Primary APN | 215-161-16 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,468 sqft Heated Area |
| Gross Area | 3,294 sqft |
| 1st Floor Area | 1,247 sqft |
| Upper Floors Area | 1,147 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1972 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Other |
| Foundation Type | Raised |
| Roof Material | Asphalt |
| Lot Area | 49,528 sqft (1.13 acres) |
| Garage Area | 810 sqft |
| Patio Area | 28 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Old Parcel Number | 215-161-16 |
|---|---|
| Street Address | 3221 WINDROW LN |
| City | MATTHEWS |
| State | NC |
| Zip | 28105-3938 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-15(CD) |
| Legal Description | L23B M17-384 |
| Legal Subdivision | WINDROW ESTATES |
| Legal Lot Number | 23B M17 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 13, MORNING STAR |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 5712 |
Source: Mecklenburg County records, as of May 24, 2023
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 3221 WINDROW LN, MATTHEWS, NC 28105-3938 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 17, 2025 | Deed of Trust, Mortgage · Conventional Mortgage SOUTH STATE BANK NA |
| Sep 14, 2021 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIFTH THIRD BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 9, 2016 · Amount on Record |
| Deed Sale | Dec 9, 2016 · Amount on Record |
| Prior Sale | Aug 30, 2016 |
| Deed Document Number | 0031410768 |
| Deed Book / Page | 31410 / 768 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 3221 WINDROW LN, MATTHEWS, NC 28105-3938 |
| Transaction Type | Mortgage |
| Record Updated | Dec 31, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000129629 |
|---|---|
| Date | Dec 17, 2025 |
| Book Page | 40080/82 |
| Instrument | 2025129629 |
| Name | SOUTH STATE BANK NA |
|---|---|
| Type | Bank |
| Address | CHARLESTON, SC 29406 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.5% |
| Type Change Date | Jan 1, 2033 |
| Change Frequency | Annually |
| Min Rate At Change | 3.5% |
| Max Rate At Change | 7.5% |
| Index | 1-Year CMT |
| Max Rate | 11.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 3221 WINDROW LN, MATTHEWS, NC 28105-3938 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3221 WINDROW LN, MATTHEWS, NC 28105-3938 |
| Document Number | 0000176014 |
|---|---|
| Date | Sep 14, 2021 |
| Book Page | 36526/307 |
| Instrument | 2021176014 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Jul 25, 2051 |
Source: Mecklenburg County assessment roll, as of January 1, 2023
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mecklenburg County |
| Municipality | Matthews Town |
| Unified School District | Charlotte-Mecklenburg Schools (PK - 12) |
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 |
| Nearby Flood Policies | 1 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 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 96 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Google Fiber Fiber | 8,000 / 8,000 |
| Windstream Fiber · DSL in parts of the area | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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