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643 Hillside Ave, Charlotte, NC 28209 Property Records

Mecklenburg County property record for 643 Hillside Ave, Charlotte, NC 28209

Property Summary

Property TypeSingle Family Home
Details4 bd · 5 ba · 3,248 sqft · built 2015
Lot Size0.322 acres (14,032 sqft)
OwnerIndividual Name on File
Last Sale$999,000 (Oct 2020)
Tax Bill$9,446 (2023)
Deeds & MortgagesFeb 2018 Line of Credit
Oct 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN175-183-38

Property Details

APN / Parcel Number

Primary APN175-183-38

Interior

Bedrooms4 Beds
Full Baths5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area3,248 sqft Heated Area
Gross Area3,930 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2015
Exterior MaterialWood Shingle
Foundation TypeRaised
Lot Area14,032 sqft (0.322 acres)

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air
Heating FuelGas

Location & Zoning

Old Parcel Number175-183-38
Street Address643 HILLSIDE AVE
CityCHARLOTTE
StateNC
Zip28209-2126
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-4
Legal DescriptionL1 M58-166
Legal SubdivisionHILLSIDE AVE
Legal Lot Number1
JurisdictionMECKLENBURG NC
Township / Civil Division1, CHARLOTTE
Census Block Group3
Census Block3007
Census Tract3204

Owner

643 Hillside Ave is owned and occupied by an individual who bought it in October 2020.

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

Owner of RecordIndividual Name on File
Co-ownerCo-owner on File
Mailing Address643 HILLSIDE AVE, CHARLOTTE, NC 28209-2126
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Feb 5, 2018Deed of Trust, Mortgage · Line of Credit
ALLEGACY FCU
Oct 28, 2020Warranty Deed, Transfer · Conventional Mortgage
BANK OF AMERICA NA

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 28, 2020 · Amount on File
Deed SaleOct 28, 2020 · Amount on File
Deed Document Number0035241234
Deed Book / Page35241 / 234
Record UpdatedJun 7, 2026

February 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMECKLENBURG NC
Property Address643 HILLSIDE AVE, CHARLOTTE, NC 28209-2126
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000013319
DateFeb 5, 2018
Book Page32446/705
Instrument2018013319
Lender
NameALLEGACY FCU
TypeCredit Union
AddressWINSTON SALEM, NC 27114
Agreement
TypeLine of Credit
AmountAmount on Record
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

October 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMECKLENBURG NC
Recording DateOct 28, 2020
Property Address643 HILLSIDE AVE, CHARLOTTE, NC 28209-2126
Document Number0000179699
Book / Page35241 / 234
Map ReferenceMB 58 PG 166
Instrument DateOct 28, 2020
Instrument2020179699
Transaction TypeTransfer
Record UpdatedJun 15, 2021
Title CompanyMASTER TITLE

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,998.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address842 LINDA LN, 842, CHARLOTTE, NC 28211-2035

Transferred To (Grantee/Buyer)

NameVerified Name
Address643 HILLSIDE AVE, CHARLOTTE, NC 28209-2126

Mortgage

Document Number0000179700
DateOct 28, 2020
Instrument2020179700
Lender
NameBANK OF AMERICA NA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueNov 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateNorth Carolina
CountyMecklenburg County
MunicipalityCharlotte City
Unified School DistrictCharlotte-Mecklenburg Schools (PK - 12)

Flood

FEMA maps place 643 Hillside Ave in Zone X, an area of minimal flood risk, though there have been 37 flood claims nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective October 3, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 18 policies
Community Rating SystemClass 2 (40% premium discount)
Nearby Flood Policies18 in force
Nearby Flood Claims37 (1979–2020)
Claims Outside the SFHA4 of 37
Most Recent ClaimNov 2020 · 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

Wildfire risk around 643 Hillside Ave is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire RiskLow
lower than 98% of the US · lower than 99% of North Carolina
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond 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 SystemCHARLOTTE WATER
serves 1,206,285 people · EPA ID NC0160010
Water SourceSurface water
Last State InspectionJul 2025
LeadUnder 1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 308 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · DSL · Fixed Wireless 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
T-Mobile
Fixed Wireless		100 / 20

May also be available: Google Fiber.

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