Mecklenburg County property record for 3513 Chilham Pl, Charlotte, NC 28226
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,319 sqft · built 1983 |
| Lot Size | 0.46 acres (20,038 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $730,000 (Mar 2026) |
| Tax Bill | $4,481 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage Mar 2026 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 211-264-12 |
| Primary APN | 211-264-12 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 2,319 sqft Living Area |
| Gross Area | 3,159 sqft |
| 1st Floor Area | 2,319 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Brick |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 20,038 sqft (0.46 acres) |
| Garage Type | Attached |
| Garage Area | 840 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 169 sqft |
| Patio Area | 615 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 3513 CHILHAM PL |
|---|---|
| City | CHARLOTTE |
| State | NC |
| Zip | 28226-3004 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3 |
| Legal Description | L13 M19-104 |
| Legal Subdivision | RIDGELOCH |
| Legal Block | 4 |
| Legal Lot Number | 13 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 1, CHARLOTTE |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 3017 |
3513 Chilham Pl is owned and occupied by two individuals who bought it in March 2026.
Source: Mecklenburg County records, as of June 30, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3513 CHILHAM PL, CHARLOTTE, NC 28226-3004 |
| 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.
| Date | Document |
|---|---|
| Oct 19, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC |
| Mar 6, 2026 | Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Jun 28, 2017 | Deed of Trust, Mortgage · Conventional Mortgage WYNDHAM CAPITAL MORTGAGE INC |
| Feb 26, 2018 | Deed of Trust, Mortgage · Line of Credit FOUNDERS FCU |
| Aug 4, 2020 | Deed of Trust, Mortgage · Line of Credit FOUNDERS FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 6, 2026 · Amount on File |
| Deed Sale | Mar 6, 2026 · Amount on File |
| Prior Sale | Feb 21, 2013 · Amount on File |
| Deed Document Number | 202623014 |
| Deed Book / Page | 40251 / 929 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 3513 CHILHAM PL, CHARLOTTE, NC 28226-3004 |
| Transaction Type | Mortgage |
| Record Updated | May 22, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000199376 |
|---|---|
| Date | Oct 19, 2021 |
| Book Page | 36659/835 |
| Instrument | 2021199376 |
| Name | ATLANTIC BAY MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Address | VIRGINIA BEACH, VA 23452 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Nov 1, 2036 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Mar 6, 2026 |
| Property Address | 3513 CHILHAM PL, CHARLOTTE, NC 28226-3004 |
| Document Number | 0000023014 |
| Book / Page | 40251 / 929 |
| Map Reference | MB 19 PG 104 |
| Instrument Date | Mar 6, 2026 |
| Instrument | 2026023014 |
| Transaction Type | Transfer |
| Record Updated | May 22, 2026 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,460.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5417 PINE RIDGE DR, CONNELLY SPRINGS, NC 28612-7106 |
| Name | Verified Name |
|---|
| Document Number | 0000023015 |
|---|---|
| Date | Mar 6, 2026 |
| Instrument | 2026023015 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 3513 CHILHAM PL, CHARLOTTE, NC 28226-3004 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000086064 |
|---|---|
| Date | Jun 28, 2017 |
| Book Page | 31919/307 |
| Instrument | 2017086064 |
| Name | WYNDHAM CAPITAL MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28210 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jul 1, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 3513 CHILHAM PL, CHARLOTTE, NC 28226-3004 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000021557 |
|---|---|
| Date | Feb 26, 2018 |
| Book Page | 32486/247 |
| Instrument | 2018021557 |
| Name | FOUNDERS FCU |
|---|---|
| Type | Credit Union |
| Address | LANCASTER, SC 29720 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Feb 5, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 3513 CHILHAM PL, CHARLOTTE, NC 28226-3004 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000120371 |
|---|---|
| Date | Aug 4, 2020 |
| Book Page | 34890/350 |
| Instrument | 2020120371 |
| Name | FOUNDERS FCU |
|---|---|
| Type | Credit Union |
| Address | LANCASTER, SC 29720 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Aug 5, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 3513 Chilham Pl was $4,481, up 5.4% 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 | $4,481.00 (+5.39%) | $561,600 Land $108,000 Building $453,600 | $561,600 Land $108,000 Building $453,600 |
| 2024 | $4,252.00 | ||
| 2023 | $561,600 Land $108,000 Building $453,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3513 Chilham Pl in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2011.
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 | 8 in force |
| Nearby Flood Claims | 1 (2011) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Dec 2011 · 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 risk around 3513 Chilham 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 80% of the US · lower than 76% 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.
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 145 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 | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 1,000 / 75 |
| T-Mobile Fixed Wireless | 100 / 20 |
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