Mecklenburg County property record for 3818 Brownes Ferry Rd, Charlotte, NC 28269
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,600 sqft · built 1988 |
| Lot Size | 0.27 acres (11,761 sqft) |
| Owner | Individual Name on File |
| Last Sale | $190,000 (Dec 2005) |
| Tax Bill | $3,280 (2025) |
| Deeds & Mortgages | Jan 2024 Mortgage Jan 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 027-352-38 |
| Primary APN | 027-352-38 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,600 sqft Living Area |
| 1st Floor Area | 1,300 sqft |
| Upper Floors Area | 1,300 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Other |
| Construction Type | Frame |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 11,761 sqft (0.27 acres) |
| Garage Area | 420 sqft |
| Deck Area | 348 sqft |
| Patio Area | 375 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 3818 BROWNES FERRY RD |
|---|---|
| City | CHARLOTTE |
| State | NC |
| Zip | 28269-8916 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3 |
| Legal Description | L4 M22-390 |
| Legal Subdivision | CHESHUNT PH I MAP 01 |
| Legal Block | 2 |
| Legal Lot Number | 4 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 1, CHARLOTTE |
| Census Block Group | 1 |
| Census Block | 1031 |
| Census Tract | 5508 |
3818 Brownes Ferry Rd is owned and occupied by an individual who bought it in December 2005.
Source: Mecklenburg County records, as of June 3, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3818 BROWNES FERRY RD, CHARLOTTE, NC 28269-8916 |
| 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 |
|---|---|
| Jan 30, 2024 | Deed of Trust, Mortgage · Conventional Mortgage THIRD FSLA OF CLEVELAND |
| Jan 14, 2021 | Deed of Trust, Mortgage · Conventional Mortgage THIRD FSLA OF CLEVELAND |
| Dec 6, 2018 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK |
| May 22, 2017 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 22, 2005 · Amount on File |
| Deed Sale | Dec 22, 2005 · Amount on File |
| Prior Sale | Dec 24, 2003 · Amount on File |
| Deed Document Number | 2005255419 |
| Deed Book / Page | 19797 / 393 |
| Prior Transfer Date | Dec 16, 2005 |
| Prior Transfer Doc | 0000255419 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 3818 BROWNES FERRY RD, CHARLOTTE, NC 28269-8916 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Title Company | TITLE365 - OMAHA, TITLE365 OMAHA |
| Name | Verified Name |
|---|---|
| Address | 3818 BROWNES FERRY RD, CHARLOTTE, NC 28269-8916 |
| Document Number | 0000008053 |
|---|---|
| Date | Jan 30, 2024 |
| Book Page | 38606/735 |
| Instrument | 2024008053 |
| Name | THIRD FSLA OF CLEVELAND |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44105 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jan 29, 2044 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 3818 BROWNES FERRY RD, CHARLOTTE, NC 28269-8916 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2022 |
| Title Company | SERVICELINK EAST ESCROW |
| Name | Verified Name |
|---|
| Document Number | 0000007662 |
|---|---|
| Date | Jan 14, 2021 |
| Book Page | 35548/265 |
| Instrument | 2021007662 |
| Name | THIRD FSLA OF CLEVELAND |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44105 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Feb 1, 2031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 3818 BROWNES FERRY RD, CHARLOTTE, NC 28269-8916 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000151006 |
|---|---|
| Date | Dec 6, 2018 |
| Book Page | 33153/973 |
| Instrument | 2018151006 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Address | NEW CASTLE, DE 19720 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Dec 6, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 3818 BROWNES FERRY RD, CHARLOTTE, NC 28269-8916 |
| Document Number | 0000068779 |
| Instrument Date | May 22, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 13, 2020 |
| Title Company | MERGE ESCROW LLC, ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3818 BROWNES FERRY RD CHARLOTTE NC 282698916, CHARLOTTE, NC 28269-8916 |
| Document Number | 0000068779 |
|---|---|
| Date | May 25, 2017 |
| Book Page | 031826/000718 |
| Instrument | 68779 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | May 24, 2032 |
The 2025 property tax bill for 3818 Brownes Ferry Rd was $3,280.
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 | $3,280.00 | $405,000 Land $90,000 Building $315,000 | $405,000 Land $90,000 Building $315,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3818 Brownes Ferry Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.
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 | 3 in force |
| Nearby Flood Claims | 1 (2024) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Aug 2024 · Tropical Storm Debby |
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 3818 Brownes Ferry Rd 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 98% of the US · lower than 99% of North Carolina |
|---|---|
| Wildfire Likelihood | Under 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 284 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 | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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