Mecklenburg County property record for 4635 Cloverdale Ave, Charlotte, NC 28212
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,973 sqft · built 1972 |
| Lot Size | 0.59 acres (25,700 sqft) |
| Owner | Individual Name on File |
| Last Sale | $373,500 (Apr 2026) |
| Tax Bill | $1,389 (2025) |
| Deeds & Mortgages | Sep 2026 Line of Credit Mar 2022 Reverse Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 133-227-06 |
| Primary APN | 133-227-06 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,973 sqft Living Area |
| 1st Floor Area | 1,973 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Brick |
| Construction Type | Frame |
| Foundation Type | Raised |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 25,700 sqft (0.59 acres) |
| Deck Area | 336 sqft |
| Patio Area | 380 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 4635 CLOVERDALE AVE |
|---|---|
| City | CHARLOTTE |
| State | NC |
| Zip | 28212-4809 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-4 |
| Legal Description | L14 BC M15-153 |
| Legal Subdivision | EASTHAVEN SEC 03 |
| Legal Block | C |
| Legal Lot Number | 14 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 1, CHARLOTTE |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 1910 |
4635 Cloverdale Ave is owned by an individual who bought it in April 2026.
Source: Mecklenburg County records, as of September 24, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2532 SAM NEWELL RD, MATTHEWS, NC 28105-7539 |
| Owner Type | Individual |
| Vesting | Single Man |
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 |
|---|---|
| Sep 11, 2026 | Deed of Trust, Mortgage · Line of Credit PINNACLE BANK |
| Mar 3, 2022 | Deed of Trust, Mortgage · Reverse Mortgage ADVISORS MORTGAGE GROUP LLC |
| Apr 16, 2026 | Warranty Deed, Transfer · Conventional Mortgage NONE LISTED ON DOCUMENT |
| Dec 29, 2020 | Deed of Trust, Mortgage · Reverse Mortgage ADVISORS MORTGAGE GROUP LLC |
| Dec 15, 2020 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 16, 2026 · Amount on File |
| Deed Sale | Apr 16, 2026 · Amount on File |
| Prior Sale | Jan 24, 1974 |
| Deed Document Number | 202638580 |
| Deed Book / Page | 40347 / 617 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Sep 11, 2026 |
| Property Address | 4635 CLOVERDALE AVE, CHARLOTTE, NC 28212-4809 |
| Document Number | 0000098196 |
| Book / Page | 40709 / 94 |
| Instrument Date | Aug 7, 2026 |
| Instrument | 202698196 |
| Transaction Type | Mortgage |
| Record Updated | Sep 24, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 4635 CLOVERDALE AVE, CHARLOTTE, NC 28212-4809 |
| Document Number | 0000098196, |
|---|---|
| Date | Sep 11, 2026 |
| Book Page | 40709/94 |
| Instrument | 202698196 |
| Name | PINNACLE BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Aug 7, 2046 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 4635 CLOVERDALE AVE, CHARLOTTE, NC 28212-4809 |
| Transaction Type | Mortgage |
| Record Updated | Apr 29, 2026 |
| Title Company | PRIORITY TITLE AND ESCROW |
| Name | Verified Name |
|---|---|
| Address | 4635 CLOVERDALE AVENUE4635 CLOVERDALE AVENUE, CHARLOTTE, NC 28212 |
| Document Number | 0000034224 |
|---|---|
| Date | Mar 3, 2022 |
| Book Page | 37120/974 |
| Instrument | 2022034224 |
| Name | ADVISORS MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Address | ASBURY PARK, NJ 07712 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 799 Months |
| Due | Oct 3, 2088 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.58% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Apr 1, 2022 |
| Change Frequency | Monthly |
| Index | 1-Year CMT |
| Max Rate | 13.5% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Apr 16, 2026 |
| Property Address | 4635 CLOVERDALE AVE, CHARLOTTE, NC 28212-4809 |
| Document Number | 0000038580 |
| Book / Page | 40347 / 617 |
| Instrument Date | Apr 15, 2026 |
| Instrument | 2026.38580 |
| Transaction Type | Transfer |
| Record Updated | Apr 27, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $75,447.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2532 SAM NEWELL RD, MATTHEWS, NC 28105-7539 |
| Document Number | 0000038581, |
|---|---|
| Date | Apr 16, 2026 |
| Instrument | 2026..38581 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 4635 CLOVERDALE AVE, CHARLOTTE, NC 28212-4809 |
| Transaction Type | Mortgage |
| Record Updated | Feb 15, 2021 |
| Title Company | NATIONAL CLOSING SOLUTIONS |
| Name | Verified Name |
|---|---|
| Address | 4635 CLOVERDALE AVE, CHARLOTTE, NC 28212-4809 |
| Document Number | 0000220717 |
|---|---|
| Date | Dec 29, 2020 |
| Book Page | 35486/46 |
| Instrument | 2020220717 |
| Name | ADVISORS MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Address | ASBURY PARK, NJ 07712 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 814 Months |
| Due | Oct 3, 2088 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.35% |
| Type Change Date | Feb 1, 2021 |
| Change Frequency | Annually |
| Index | 1-Year LIBOR |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 4635 CLOVERDALE AVE, CHARLOTTE, NC 28212-4809 |
| Document Number | 0000220718 |
| Instrument Date | Dec 15, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 8, 2021 |
| Title Company | NATIONAL CLOSING SOLUTIONS |
| Name | Verified Name |
|---|---|
| Address | 4635 CLOVERDALE AVE CHARLOTTE NC 282124809, CHARLOTTE, NC 28212-4809 |
| Document Number | 0000220718 |
|---|---|
| Date | Dec 29, 2020 |
| Book Page | 035486/000061 |
| Instrument | 220718 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 816 Months |
| Due | Dec 28, 2088 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.35% |
The 2025 property tax bill for 4635 Cloverdale Ave was $1,389, up 2.7% from the year before.
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 | $1,389.00 (+2.74%) | $316,800 Land $77,000 Building $239,800 | $316,800 Land $77,000 Building $239,800 |
| 2024 | $1,352.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4635 Cloverdale Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2003.
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 | 2 (2003–2006) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Nov 2006 · tidal / storm surge |
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 4635 Cloverdale Ave 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 95% of the US · lower than 97.4% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.02% 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 298 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless 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 |
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