Mecklenburg County property record for 3604 Joy St, Charlotte, NC 28208
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,630 sqft · built 2001 |
| Lot Size | 0.193 acres (8,407 sqft) |
| Owner | Individual Name on File |
| Last Sale | $260,000 (Dec 2020) |
| Tax Bill | $2,455 (2025) |
| Deeds & Mortgages | Dec 2020 Sale & Mortgage Dec 2020 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 061-093-06 |
| Primary APN | 061-093-06 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,630 sqft Living Area |
| 1st Floor Area | 1,630 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,407 sqft (0.193 acres) |
| Porch | Finished/Open Porch |
| Porch Area | 65 sqft |
| Patio Area | 130 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 3604 JOY ST |
|---|---|
| City | CHARLOTTE |
| State | NC |
| Zip | 28208-3761 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-4 |
| Legal Description | L3 M34-567 |
| Legal Subdivision | WEST VIEW ANX |
| Legal Block | 3 |
| Legal Lot Number | 3 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 1, CHARLOTTE |
| Census Block Group | 4 |
| Census Block | 4048 |
| Census Tract | 4000 |
3604 Joy St is owned and occupied by an individual who bought it in December 2020.
Source: Mecklenburg County records, as of June 4, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3604 JOY ST, CHARLOTTE, NC 28208-3761 |
| 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 |
|---|---|
| Dec 18, 2020 | Warranty Deed, Transfer · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP |
| Dec 18, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Nov 23, 2019 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 18, 2020 · Amount on File |
| Deed Sale | Dec 18, 2020 · Amount on File |
| Prior Sale | Jun 16, 2004 · Amount on File |
| Deed Document Number | 2020215581 |
| Deed Book / Page | 35452 / 437 |
| Prior Transfer Date | Dec 17, 2020 |
| Prior Transfer Doc | 0000215580 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Dec 18, 2020 |
| Property Address | 3604 JOY ST, CHARLOTTE, NC 28208-3761 |
| Document Number | 0000215581 |
| Book / Page | 35452 / 437 |
| Map Reference | MB 3 PG 234 |
| Instrument Date | Dec 17, 2020 |
| Instrument | 2020215581 |
| Transaction Type | Transfer |
| Record Updated | Aug 23, 2022 |
| Title Company | FIDELITY NATIONAL TTL CO LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $520.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3925 BIGHORN WAY, 3925, GASTONIA, NC 28056-4407 |
| Name | Verified Name |
|---|---|
| Address | 3604 JOY ST, CHARLOTTE, NC 28208-3761 |
| Document Number | 0000215582 |
|---|---|
| Date | Dec 18, 2020 |
| Instrument | 2020215582 |
| Name | PROVIDENT FUNDING ASSOCIATES LP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Dec 18, 2020 |
| Property Address | 3604 JOY ST, CHARLOTTE, NC 28208-3761 |
| Document Number | 0000215580 |
| Book / Page | 035452 / 000433 |
| Instrument Date | Dec 17, 2020 |
| Instrument | 215580 |
| Transaction Type | Transfer |
| Record Updated | Feb 5, 2021 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3604 JOY ST CHARLOTTE NC 282083761, CHARLOTTE, NC 28208-3761 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 3604 JOY ST, CHARLOTTE, NC 28208-3761 |
| Document Number | 0000163581 |
| Instrument Date | Nov 23, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 24, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3604 JOY ST CHARLOTTE NC 282083761, CHARLOTTE, NC 28208-3761 |
| Document Number | 0000163581 |
|---|---|
| Date | Dec 2, 2019 |
| Book Page | 034082/000899 |
| Instrument | 163581 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2049 |
The 2025 property tax bill for 3604 Joy St was $2,455.
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 | $2,455.00 | $297,400 Land $95,000 Building $202,400 | $297,400 Land $95,000 Building $202,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3604 Joy St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2019.
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 | 1 (2019) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Aug 2019 · 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 3604 Joy St is low, with less than 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 99.1% of the US · lower than 99.5% of North Carolina |
|---|---|
| Wildfire Likelihood | Under 0.01% 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 225 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · 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 |
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