Richmond County property record for 642 Charlotte St, Hamlet, NC 28345
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 672 sqft · built 1940 |
| Lot Size | 0.215 acres (9,350 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $651 (2026) |
| Deeds & Mortgages | Jul 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 748112879354 |
| Primary APN | 748112879354 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 672 sqft Living Area |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1960 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,350 sqft (0.215 acres) |
| Lot Dimensions | 187 ft deep x 50 ft wide |
| Terrain | Rolling |
| Garage Area | 528 sqft |
| Driveway | Asphalt Driveway |
| Porch | Porch |
| Porch Area | 244 sqft |
| Patio Area | 216 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 10709130 |
|---|---|
| Street Address | 642 CHARLOTTE ST |
| City | HAMLET |
| State | NC |
| Zip | 28345-2502 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT & DWELLING |
| Legal Subdivision | W R COPPEDGE |
| Jurisdiction | RICHMOND NC |
| Township / Civil Division | MARKS CREEK |
| Census Block Group | 3 |
| Census Block | 3026 |
| Census Tract | 971000 |
642 Charlotte St is owned and occupied by an individual.
Source: Richmond County records, as of October 13, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 642 CHARLOTTE ST, HAMLET, NC 28345-2502 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RICHMOND NC |
| Property Address | 642 CHARLOTTE ST, HAMLET, NC 28345-2502 |
| Transaction Type | Mortgage |
| Record Updated | Jul 27, 2023 |
| Title Company | AMROCK INC, AMROCK |
| Name | Verified Name |
|---|
| Document Number | 001971/292 |
|---|---|
| Date | Jul 11, 2023 |
| Book Page | 1971/292 |
| Instrument | 274663 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Aug 1, 2038 |
The 2026 property tax bill for 642 Charlotte St was $651.
Source: Richmond County assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Richmond County |
| Municipality | Hamlet City |
| Unified School District | Richmond County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $651.00 | $70,337 Land $3,540 Building $66,797 | $70,337 Land $3,540 Building $66,797 |
| 2023 | $382.00 | $30,442 Land $2,832 Building $27,610 | $30,442 Land $2,832 Building $27,610 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 642 Charlotte St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective July 7, 2014 · 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 |
| Nearby Flood Policies | 2 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 risk around 642 Charlotte St is moderate, ranking above 42% of the US, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 42% of the US · above 62% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.05% 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 | HAMLET WATER SYSTEM serves 10,635 people · EPA ID NC0377010 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | May 2026 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | Turbidity resolved · May 2025 Total trihalomethanes resolved · Apr 2023 Haloacetic acids resolved · Jan 2023 |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| Monitoring and Reporting | 4 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 87 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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