3446 Windsor Dr, Charlotte, NC 28209 Property Records

Mecklenburg County property record for 3446 Windsor Dr, Charlotte, NC 28209

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 3,412 sqft · built 1962
Lot Size	0.276 acres (12,029 sqft)
Owner	Individual Name on Record
Last Sale	$850,000 (Mar 2017)
Tax Bill	$11,129 (2023)
Deeds & Mortgages	Mar 2022 Line of Credit Nov 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`175-101-14`

Property Details

APN / Parcel Number

Primary APN	`175-101-14`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,412 sqft Heated Area
Gross Area	4,345 sqft
1st Floor Area	1,711 sqft
Upper Floors Area	1,701 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Architectural Style	Other
Exterior Material	Brick Veneer
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	12,029 sqft (0.276 acres)
Porch	Porch
Porch Area	186 sqft
Patio Area	747 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	175-101-14
Street Address	3446 WINDSOR DR
City	CHARLOTTE
State	NC
Zip	28209-3356
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	L11 B1 M9-501
Legal Subdivision	ROBERT J INGRAM ET AL PROP
Legal Block	1
Legal Lot Number	11
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	1
Census Block	1006
Census Tract	2910

Owner

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	3446 WINDSOR DR, CHARLOTTE, NC 28209-3356
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 9, 2022	Deed of Trust, Mortgage · Line of Credit ENCORE BANK NA
Nov 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Mar 21, 2017	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 21, 2017 · Amount on Record
Deed Sale	Mar 21, 2017 · Amount on Record
Prior Sale	Sep 3, 2015 · Amount on Record
Deed Document Number	0031652199
Deed Book / Page	31652 / 199
Record Updated	Jun 7, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	3446 WINDSOR DR, CHARLOTTE, NC 28209-3356
Transaction Type	Mortgage
Record Updated	May 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3446 WINDSOR DR, CHARLOTTE, NC 28209-3356

Mortgage

Document Number	0000036984
Date	Mar 9, 2022
Book Page	37135/409
Instrument	2022036984

Lender

Name	ENCORE BANK NA
Type	Bank
Address	LITTLE ROCK, AR 72223

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	239 Months
Due	Feb 25, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	3446 WINDSOR DR, CHARLOTTE, NC 28209-3356
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000156868
Date	Nov 18, 2019
Book Page	34044/226
Instrument	2019156868

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	3.37%
Index	1-Year LIBOR
Max Rate	5.37%

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Mar 21, 2017
Property Address	3446 WINDSOR DR, CHARLOTTE, NC 28209-3356
Document Number	0000035808
Book / Page	31652 / 199
Map Reference	MB9 PG501
Instrument Date	Mar 21, 2017
Instrument	2017035808
Transaction Type	Transfer
Record Updated	Jun 15, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,700.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	532 JEFFERSON DR, 532, CHARLOTTE, NC 28270-5346

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3446 WINDSOR DR, CHARLOTTE, NC 28209-3356

Mortgage

Document Number	0000035809
Date	Mar 21, 2017
Instrument	2017035809

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2047

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)

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

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.

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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