Mecklenburg County property record for 3421 Windbluff Dr, Charlotte, NC 28277
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4.5 ba · 4,640 sqft · built 1979 |
| Lot Size | 0.52 acres (22,651 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $902,000 (May 2024) |
| Tax Bill | $6,424 (2025) |
| Deeds & Mortgages | Nov 2024 Mortgage Apr 2026 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 225-162-19 |
| Primary APN | 225-162-19 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 4,640 sqft Living Area |
| Gross Area | 5,216 sqft |
| 1st Floor Area | 3,084 sqft |
| Upper Floors Area | 958 sqft |
| Basement Area | 598 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | Raised |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 22,651 sqft (0.52 acres) |
| View / Lot | Waterfront |
| Garage Type | Attached |
| Garage Area | 576 sqft |
| Pool Area | 600 sqft |
|---|---|
| Porch | Finished/Open Porch |
| Porch Area | 296 sqft |
| Deck Area | 280 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 3421 WINDBLUFF DR |
|---|---|
| City | CHARLOTTE |
| State | NC |
| Zip | 28277-9850 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-15PUD |
| Legal Description | L78 M15-211 |
| Legal Subdivision | RAINTREE |
| Legal Block | 2 |
| Legal Lot Number | 78 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 1, CHARLOTTE |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 5815 |
3421 Windbluff Dr is owner-occupied and held in a trust since July 2025.
Source: Mecklenburg County records, as of June 3, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 3421 WINDBLUFF DR, CHARLOTTE, NC 28277-9850 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 22, 2024 | Deed of Trust, Mortgage · Conventional Mortgage FARMERS BANK & TRUST |
| Apr 24, 2026 | Warranty Deed, Transfer NONE LISTED ON DOCUMENT |
| Jul 11, 2025 | Intrafamily Transfer, Transfer · Line of Credit THIRD FSLA OF CLEVELAND |
| May 16, 2024 | Special Warranty Deed, Transfer · Conventional Mortgage PNC BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 16, 2024 · Amount on File |
| Deed Sale | May 16, 2024 · Amount on File |
| Prior Sale | Sep 26, 1978 |
| Deed Document Number | 202445124 |
| Deed Book / Page | 38822 / 92 |
| Last Transfer Date | Jul 10, 2025 |
| Transfer Doc | 0000069146 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 3421 WINDBLUFF DR, CHARLOTTE, NC 28277-9850 |
| Transaction Type | Mortgage |
| Record Updated | May 22, 2026 |
| Title Company | SOLIDIFI TITLE AND CLOSING, SOLIDIFI TITLE & CLOSING LLC |
| Name | Verified Name |
|---|---|
| Address | 3421 WINDBLUFF DR, CHARLOTTE, NC 28277-9850 |
| Document Number | 0000112634 |
|---|---|
| Date | Nov 22, 2024 |
| Book Page | 39226/297 |
| Instrument | 2024112634 |
| Name | FARMERS BANK & TRUST |
|---|---|
| Type | Bank |
| Address | GREAT BEND, KS 67530 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Apr 24, 2026 |
| Property Address | 3421 WINDBLUFF DR, CHARLOTTE, NC 28277-9850 |
| Document Number | 0000042424 |
| Book / Page | 40370 / 778 |
| Instrument Date | Mar 25, 2026 |
| Instrument | 202642424 |
| Transaction Type | Transfer |
| Record Updated | Aug 28, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Trust |
| Address | 3421 WINDBLUFF DR, CHARLOTTE, NC 28277-9850 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Jul 11, 2025 |
| Property Address | 3421 WINDBLUFF DR, CHARLOTTE, NC 28277-9850 |
| Document Number | 0000069146 |
| Book / Page | 39715 / 374 |
| Map Reference | MB 15 PG 211 |
| Instrument Date | Jul 10, 2025 |
| Instrument | 2025069146 |
| Transaction Type | Transfer |
| Record Updated | May 22, 2026 |
| Title Company | TITLE365 COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3421 WINDBLUFF DR, CHARLOTTE, NC 28277-9850 |
| Name | Verified Name |
|---|---|
| Address | 3421 WINDBLUFF DR, CHARLOTTE, NC 28277-9850 |
| Document Number | 0000075242 |
|---|---|
| Date | Jul 11, 2025 |
| Instrument | 2025075242 |
| Name | THIRD FSLA OF CLEVELAND |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | May 16, 2024 |
| Property Address | 3421 WINDBLUFF DR, CHARLOTTE, NC 28277-9850 |
| Document Number | 0000045124 |
| Book / Page | 38822 / 92 |
| Map Reference | MB 15 PG 211 |
| Instrument Date | May 13, 2024 |
| Instrument | 2024045124 |
| Transaction Type | Transfer |
| Record Updated | May 22, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,804.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3421 WINDBLUFF DR, CHARLOTTE, NC 28277-9850 |
| Document Number | 0000045125 |
|---|---|
| Date | May 16, 2024 |
| Instrument | 2024045125 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2054 |
The 2025 property tax bill for 3421 Windbluff Dr was $6,424, up 1.6% from the year before.
Source: Mecklenburg County assessment roll, as of September 9, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mecklenburg County |
| Municipality | Charlotte City |
| Unified School District | Charlotte-Mecklenburg Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,424.00 (+1.57%) | $815,100 Land $187,500 Building $627,600 | $815,100 Land $187,500 Building $627,600 |
| 2024 | $6,325.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3421 Windbluff Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2020.
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 | 2 in force |
| Nearby Flood Claims | 3 (2020–2022) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
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 risk around 3421 Windbluff Dr is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 95% 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 | 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 99 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Google Fiber Fiber | 8,000 / 8,000 |
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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