Mecklenburg County property record for 3900 Arbor Ln, Charlotte, NC 28209
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,395 sqft · built 1952 |
| Lot Size | 0.277 acres (12,073 sqft) |
| Owner | Company Name on Record |
| Last Sale | $170,000 (Aug 2011) |
| Tax Bill | $4,076 (2024) |
| Deeds & Mortgages | Oct 2025 Transfer Aug 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 175-182-15 |
| Primary APN | 175-182-15 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,395 sqft Heated Area |
| Gross Area | 1,391 sqft |
| 1st Floor Area | 975 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1952 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Wood |
| Foundation Type | Raised |
| Roof Material | Asphalt |
| Lot Area | 12,073 sqft (0.277 acres) |
| Porch | Porch |
| Porch Area | 130 sqft |
| Patio Area | 137 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Street Address | 3900 ARBOR LN |
|---|---|
| City | CHARLOTTE |
| State | NC |
| Zip | 28209-2119 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-4 |
| Legal Description | LE B1 M1487-521 |
| Legal Subdivision | G E VINROOT PROP |
| Legal Block | 1 |
| Legal Lot Number | E1 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 1, CHARLOTTE |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 3204 |
Source: Mecklenburg County records, as of October 22, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 3900 ARBOR LN, CHARLOTTE, NC 28209-2119 |
| Occupancy | Owner Occupied |
| Owner Type | Company, Secondary Individual |
| Vesting | Trust |
| Date | Document |
|---|---|
| Oct 13, 2025 | Intrafamily Transfer, Transfer |
| Aug 6, 2021 | Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP |
| Nov 13, 2017 | Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA |
| Aug 23, 2019 | Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA |
| Jul 20, 2018 | Loan Modification, Mortgage · Line of Credit WELLS FARGO BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 26, 2011 · Amount on Record |
| Deed Sale | Aug 26, 2011 · Amount on Record |
| Prior Sale | Aug 26, 2011 · Amount on Record |
| Deed Document Number | 0000096059 |
| Deed Book / Page | 26700 / 0164 |
| Last Transfer Date | Oct 13, 2025 |
| Transfer Doc | 0000104521 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Oct 13, 2025 |
| Property Address | 3900 ARBOR LN, CHARLOTTE, NC 28209-2119 |
| Document Number | 0000104521 |
| Book / Page | 39926 / 862 |
| Map Reference | MB 1487 PG 521 |
| Instrument Date | Sep 5, 2025 |
| Instrument | 2025104521 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3900 ARBOR LN, CHARLOTTE, NC 28209-2119 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 3900 ARBOR LN, CHARLOTTE, NC 28209-2119 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 3900 ARBOR LN, CHARLOTTE, NC 28209-2119 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000151724 |
|---|---|
| Date | Aug 6, 2021 |
| Book Page | 36383/803 |
| Instrument | 2021151724 |
| Name | AMERISAVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30305 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 3900 ARBOR LN, CHARLOTTE, NC 28209-2119 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000152966 |
|---|---|
| Date | Nov 13, 2017 |
| Book Page | 32265/199 |
| Instrument | 2017152966 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 2, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 3900 ARBOR LN, CHARLOTTE, NC 28209-2119 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TITLE356 |
| Name | Verified Name |
|---|
| Document Number | 0000110431 |
|---|---|
| Date | Aug 23, 2019 |
| Book Page | 33786/219 |
| Instrument | 2019110431 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 6, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 3900 ARBOR LN, CHARLOTTE, NC 28209-2119 |
| Document Number | 0000097142 |
| Instrument Date | Jul 20, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 15, 2019 |
| Title Company | AMERICAN TITLE COMPANY, AMERICAN TITLE INC |
| Name | Verified Name |
|---|---|
| Address | 3900 ARBOR LN CHARLOTTE NC 282092119, CHARLOTTE, NC 28209-2119 |
| Document Number | 0000097142 |
|---|---|
| Date | Aug 1, 2018 |
| Book Page | 032876/000068 |
| Instrument | 97142 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | ROANOKE, VA 24019 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Mecklenburg County assessment roll, as of January 1, 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 | $538,400 Land $325,000 Building $213,400 | ||
| 2024 | $4,076.00 | ||
| 2023 | $538,400 Land $325,000 Building $213,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Flood Insurance Cost | Premium on Record median of 18 policies |
| Community Rating System | Class 2 (40% premium discount) |
| Nearby Flood Policies | 18 in force |
| Nearby Flood Claims | 37 (1979–2020) |
| Claims Outside the SFHA | 4 of 37 |
| Most Recent Claim | Nov 2020 · river or lake flooding |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 97.9% of North Carolina |
|---|---|
| Wildfire Likelihood | 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 231 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures