632 Cherry St, Charlotte, NC 28204 Property Records

Mecklenburg County property record for 632 Cherry St, Charlotte, NC 28204

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,393 sqft · built 2013
Lot Size	0.119 acres (5,186 sqft)
Owner	Individual Name on Record
Last Sale	$755,000 (Nov 2021)
Tax Bill	$7,436 (2023)
Deeds & Mortgages	Nov 2021 Sale & Mortgage Aug 2021 Sale + 4 more
Flood Zone	Zone X (minimal risk)
APN	`125-214-06`

Property Details

APN / Parcel Number

Primary APN	`125-214-06`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,393 sqft Heated Area
Gross Area	2,813 sqft
1st Floor Area	1,033 sqft
Upper Floors Area	1,360 sqft

Exterior

Year Built	Built 2013
Exterior Material	Stucco
Foundation Type	Raised
Lot Area	5,186 sqft (0.119 acres)
Garage Area	420 sqft
Deck Area	280 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	125-214-06
Street Address	632 CHERRY ST
City	CHARLOTTE
State	NC
Zip	28204-3022
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	B-1
Legal Description	L5 B1 M230-47
Legal Subdivision	CHERRYTON
Legal Block	1
Legal Lot Number	5
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	1
Census Block	1027
Census Tract	2600

Owner

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

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
Co-owner	Co-owner on Record
Mailing Address	632 CHERRY ST, CHARLOTTE, NC 28204-3022
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 5, 2021	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Aug 18, 2021	Warranty Deed, Transfer
Mar 24, 2017	Deed of Trust, Mortgage · Conventional Mortgage SHARONVIEW FCU
Mar 24, 2017	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SHARONVIEW FCU
Aug 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Mar 22, 2019	Deed of Trust, Mortgage · Line of Credit PNC BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 5, 2021 · Amount on Record
Deed Sale	Nov 5, 2021 · Amount on Record
Prior Sale	Aug 18, 2021 · Amount on Record
Deed Document Number	0036734156
Deed Book / Page	36734 / 156
Record Updated	Jun 7, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Nov 5, 2021
Property Address	632 CHERRY ST, CHARLOTTE, NC 28204-3022
Document Number	0000212228
Book / Page	36734 / 156
Map Reference	MB 230 PG 47
Instrument Date	Nov 4, 2021
Instrument	2021212228
Transaction Type	Transfer
Record Updated	May 22, 2026
Title Company	ORCHARD TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,510.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	31 W 27TH ST # ST4TH, ST4TH, NEW YORK, NY 10001-6914

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	632 CHERRY ST, CHARLOTTE, NC 28204-3022

Mortgage

Document Number	0000212229
Date	Nov 5, 2021
Instrument	2021212229

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Aug 18, 2021
Property Address	632 CHERRY ST, CHARLOTTE, NC 28204-3022
Document Number	0000159448
Book / Page	36427 / 139
Map Reference	MB 230 PG 47
Instrument Date	Aug 18, 2021
Instrument	2021159448
Transaction Type	Transfer
Record Updated	May 22, 2026

Transaction

Amount	Amount Recorded
Tax	$1,480.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15810 REYNOLDS DR, FORT MILL, SC 29707-6044

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 W 27TH ST # 4TH, NEW YORK, NY 10001-6914
Investor	Possibly a Property Investor

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	632 CHERRY ST, CHARLOTTE, NC 28204-3022
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000037622
Date	Mar 24, 2017
Book Page	31661/377
Instrument	2017037622

Lender

Name	SHARONVIEW FCU
Type	Credit Union
Address	FORT MILL, SC 29716

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2047

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	632 CHERRY ST, CHARLOTTE, NC 28204-3022
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000037716
Date	Mar 24, 2017
Book Page	31661/929
Instrument	2017037716

Lender

Name	SHARONVIEW FCU
Type	Credit Union
Address	FORT MILL, SC 29716

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Mar 25, 2037

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	632 CHERRY ST, CHARLOTTE, NC 28204-3022
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000121759
Date	Aug 6, 2020
Book Page	34896/936
Instrument	2020121759

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2050

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	632 CHERRY ST, CHARLOTTE, NC 28204-3022
Document Number	0000044291
Instrument Date	Mar 22, 2019
Transaction Type	Mortgage
Record Updated	May 20, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	632 CHERRY ST CHARLOTTE NC 282043022, CHARLOTTE, NC 28204-3022

Mortgage

Document Number	0000044291
Date	Apr 16, 2019
Book Page	033432/000365
Instrument	44291

Lender

Name	PNC BK
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Apr 15, 2059

Interest

Rate Type	Adjustable Rate

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

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	9 in force
Nearby Flood Claims	2 (1978–1997)
Most Recent Claim	Jul 1997 · 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.

Wildfire

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

Wildfire Risk	Not rated no burnable land within ember reach

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 204 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 · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	1,000 / 75
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Google Fiber.

Nearby Properties on Cherry St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures