4231 Darwin Cir, Charlotte, NC 28209 Property Records

Mecklenburg County property record for 4231 Darwin Cir, Charlotte, NC 28209

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,520 sqft · built 1956
Lot Size	0.48 acres (20,909 sqft)
Owner	Individual Name on Record
Tax Bill	$4,103 (2024)
Deeds & Mortgages	Feb 2021 Line of Credit Apr 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`149-163-10`

Property Details

APN / Parcel Number

Primary APN	`149-163-10`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,520 sqft Living Area
Gross Area	2,320 sqft
1st Floor Area	1,520 sqft
Basement Area	520 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1990
Exterior Material	Brick
Construction Type	Frame
Foundation Type	No Foundation
Roof Type	Hip
Roof Material	Other
Lot Area	20,909 sqft (0.48 acres)
Garage Type	Attached
Garage Area	800 sqft
Porch	Finished/Open Porch
Porch Area	216 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	4231 DARWIN CIR
City	CHARLOTTE
State	NC
Zip	28209-2912
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-17MF(CD)
Legal Description	L3 BC M6-851
Legal Subdivision	W REID HUDSON PROP
Legal Block	C
Legal Lot Number	3
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	1
Census Block	1003
Census Tract	3203

Owner

Source: Mecklenburg County records, as of September 9, 2025

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
Mailing Address	4231 DARWIN CIR, CHARLOTTE, NC 28209-2912
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 8, 2021	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Apr 2, 2018	Intrafamily Transfer, Transfer · Conventional Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Mar 28, 2018
Transfer Doc	0000038200
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	4231 DARWIN CIR, CHARLOTTE, NC 28209-2912
Transaction Type	Mortgage
Record Updated	May 22, 2026
Title Company	STEWART TITLE GURANTY, STEWART TITLE GUARANTY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4231 DARWIN CIR, CHARLOTTE, NC 28209-2912

Mortgage

Document Number	0000024428
Date	Feb 8, 2021
Book Page	35649/587
Instrument	2021024428

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MECKLENBURG NC
Recording Date	Apr 2, 2018
Property Address	4231 DARWIN CIR, CHARLOTTE, NC 28209-2912
Document Number	0000038200
Book / Page	32571 / 159
Map Reference	MB6 PG851
Instrument Date	Mar 28, 2018
Instrument	2018038200
Transaction Type	Transfer
Record Updated	Jun 15, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4231 DARWIN CIR, CHARLOTTE, NC 28209-2912

Mortgage

Document Number	0000038201
Date	Apr 2, 2018
Instrument	2018038201

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2033

Tax Assessment & Valuation

Source: Mecklenburg County assessment roll, as of September 9, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Mecklenburg County
Municipality	Charlotte City
Unified School District	Charlotte-Mecklenburg Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$521,600 Land $275,000 Building $246,600	$521,600 Land $275,000 Building $246,600
2024	$4,103.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	1 in force

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 97% of the US · lower than 98.5% 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.

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 314 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Spectrum Cable	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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