Mecklenburg County property record for 641 Charter Pl, Charlotte, NC 28211
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,100 sqft · built 1975 |
| Lot Size | 0.367 acres (16,002 sqft) |
| Owner | Individual Name on File |
| Last Sale | $440,000 (Mar 2020) |
| Tax Bill | $5,554 (2023) |
| Deeds & Mortgages | Jan 2021 Mortgage Mar 2020 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 189-194-12 |
| Primary APN | 189-194-12 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,100 sqft Heated Area |
| Gross Area | 2,996 sqft |
| 1st Floor Area | 2,112 sqft |
| Flooring | Concrete/Cement |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1975 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Brick Veneer |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Asphalt |
| Lot Area | 16,002 sqft (0.367 acres) |
| Garage Area | 500 sqft |
| Porch | Porch |
| Porch Area | 336 sqft |
| Patio Area | 27 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Old Parcel Number | 189-194-12 |
|---|---|
| Street Address | 641 CHARTER PL |
| City | CHARLOTTE |
| State | NC |
| Zip | 28211-5611 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3 |
| Legal Description | L3 B2 M17-426 |
| Legal Subdivision | STONEHAVEN SEC 20 PH C |
| Legal Block | 2 |
| Legal Lot Number | 3 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 1, CHARLOTTE |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 2008 |
641 Charter Pl is owned and occupied by an individual who bought it in March 2020.
Source: Mecklenburg County records, as of May 24, 2023
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 641 CHARTER PL, CHARLOTTE, NC 28211-5611 |
| 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.
| Date | Document |
|---|---|
| Jan 13, 2021 | Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK |
| Mar 6, 2020 | Warranty Deed, Transfer · Conventional Mortgage TRUIST BANK |
| Nov 2, 2017 | Warranty Deed, Transfer · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Sep 7, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 6, 2020 · Amount on File |
| Deed Sale | Mar 6, 2020 · Amount on File |
| Prior Sale | Nov 2, 2017 · Amount on File |
| Deed Document Number | 0034349854 |
| Deed Book / Page | 34349 / 854 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 641 CHARTER PL, CHARLOTTE, NC 28211-5611 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000006926 |
|---|---|
| Date | Jan 13, 2021 |
| Book Page | 35543/656 |
| Instrument | 2021006926 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | RICHMOND, VA 23224 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Mar 6, 2020 |
| Property Address | 641 CHARTER PL, CHARLOTTE, NC 28211-5611 |
| Document Number | 0000032721 |
| Book / Page | 34349 / 854 |
| Map Reference | MB 17 PG 426 |
| Instrument Date | Feb 28, 2020 |
| Instrument | 2020032721 |
| Transaction Type | Transfer |
| Record Updated | Jun 15, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $880.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 152 STEEPLECHASE CIR, 152, SANFORD, FL 32771-9539 |
| Name | Verified Name |
|---|---|
| Address | 641 CHARTER PL, CHARLOTTE, NC 28211-5611 |
| Document Number | 0000032722 |
|---|---|
| Date | Mar 6, 2020 |
| Instrument | 2020032722 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Nov 2, 2017 |
| Property Address | 641 CHARTER PL, CHARLOTTE, NC 28211-5611 |
| Document Number | 0000148691 |
| Book / Page | 32244 / 058 |
| Map Reference | MB17 PG426 |
| Instrument Date | Oct 31, 2017 |
| Instrument | 2017148691 |
| Transaction Type | Transfer |
| Record Updated | Jun 15, 2021 |
| Title Company | INVESTORS TITLE INS CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $710.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2225 HWKSINS T472, 2225, CHARLOTTE, NC 28203 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 841 CARRIER DR, CHARLOTTE, NC 28216-3447 |
| Document Number | 0000148692 |
|---|---|
| Date | Nov 2, 2017 |
| Instrument | 2017148692 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2047 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Sep 7, 2017 |
| Property Address | 641 CHARTER PL, CHARLOTTE, NC 28211-5611 |
| Document Number | 0000121281 |
| Book / Page | 032102 / 000369 |
| Instrument Date | Aug 29, 2017 |
| Instrument | 121281 |
| Transaction Type | Transfer |
| Record Updated | Sep 14, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 641 CHARTER PL CHARLOTTE NC 282115611, CHARLOTTE, NC 28211-5611 |
Source: Mecklenburg County assessment roll, as of January 1, 2023
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mecklenburg County |
| Municipality | Charlotte City |
| Unified School District | Charlotte-Mecklenburg Schools (PK - 12) |
FEMA maps place 641 Charter Pl in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective October 3, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 641 Charter Pl 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.
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 247 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 | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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