4500 Pendock Ct, Charlotte, NC 28226 Property Records

Mecklenburg County property record for 4500 Pendock Ct, Charlotte, NC 28226

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,939 sqft · built 1982
Lot Size	0.331 acres (14,432 sqft)
Owner	Individual Name on File
Last Sale	$410,000 (Feb 2023)
Tax Bill	$4,700 (2023)
Deeds & Mortgages	Feb 2023 Mortgage Feb 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`209-311-15`

Property Details

APN / Parcel Number

Primary APN	`209-311-15`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,939 sqft Heated Area
Gross Area	2,134 sqft
1st Floor Area	1,939 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Architectural Style	Other
Exterior Material	Other
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	14,432 sqft (0.331 acres)
Garage Type	Carport
Carport	Carport
Porch	Porch
Porch Area	60 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	209-311-15
Street Address	4500 PENDOCK CT
City	CHARLOTTE
State	NC
Zip	28226-8161
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	L53 B3 M19-43
Legal Subdivision	STURNBRIDGE 04 MAP 01
Legal Block	3
Legal Lot Number	53
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	2
Census Block	2001
Census Tract	3008

Owner

4500 Pendock Ct is owned and occupied by an individual who bought it in February 2023.

Source: Mecklenburg County records, as of May 24, 2023

Owner of Record	Individual Name on File
Mailing Address	4500 PENDOCK CT, CHARLOTTE, NC 28226-8161
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.

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2023	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Feb 10, 2023	Warranty Deed, Transfer · Conventional Mortgage THIRD FSLA OF CLEVELAND
Jan 8, 2021	Warranty Deed, Transfer · FHA Mortgage CERTAINTY HOME LOANS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 10, 2023 · Amount on File
Deed Sale	Feb 10, 2023 · Amount on File
Prior Sale	Jan 8, 2021 · Amount on File
Deed Document Number	0037927865
Deed Book / Page	37927 / 865
Record Updated	Jun 7, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	4500 PENDOCK CT, CHARLOTTE, NC 28226-8161
Transaction Type	Mortgage
Record Updated	May 25, 2023
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4500 PENDOCK CT, CHARLOTTE, NC 28226-8161

Mortgage

Document Number	0000009103
Date	Feb 2, 2023
Book Page	37914/627
Instrument	2023009103

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	336 Months
Due	Feb 1, 2051

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Feb 10, 2023
Property Address	4500 PENDOCK CT, CHARLOTTE, NC 28226-8161
Document Number	0000011758
Book / Page	37927 / 865
Map Reference	MB 19 PG 43
Instrument Date	Feb 10, 2023
Instrument	2023011758
Transaction Type	Transfer
Record Updated	May 25, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$820.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011759
Date	Feb 10, 2023
Instrument	2023011759

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.09%
Type Change Date	Mar 1, 2026
Change Frequency	Annually
Min Rate At Change	3.09%
Max Rate At Change	7.09%
Index	Prime Rate
Margin	1
Max Rate	11%

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Jan 8, 2021
Property Address	4500 PENDOCK CT, CHARLOTTE, NC 28226-8161
Document Number	0000004573
Book / Page	35530 / 778
Map Reference	MB 19 PG 43
Instrument Date	Dec 28, 2020
Instrument	2021004573
Transaction Type	Transfer
Record Updated	Jun 15, 2021
Title Company	FIRST AMERICAN MORTGAGE SLN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$528.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1409 S ADRIA ST, 1409, ANAHEIM, CA 92802-2108

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4500 PENDOCK CT, CHARLOTTE, NC 28226-8161

Mortgage

Document Number	0000004574
Date	Jan 8, 2021
Instrument	2021004574

Lender

Name	CERTAINTY HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

Tax Assessment & Valuation

Source: Mecklenburg County assessment roll, as of January 1, 2023

Property Jurisdictions

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

Flood

FEMA maps place 4500 Pendock Ct in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
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

Wildfire risk around 4500 Pendock Ct is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 96% of North Carolina
Wildfire Likelihood	0.02% 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 258 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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