644 Clearbrook Rd, Matthews, NC 28105 Property Records

Mecklenburg County property record for 644 Clearbrook Rd, Matthews, NC 28105

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,786 sqft · built 1997
Lot Size	0.342 acres (14,940 sqft)
Owner	Individual Name on Record
Last Sale	$447,000 (Jun 2022)
Tax Bill	$3,881 (2023)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Feb 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`227-315-20`

Property Details

APN / Parcel Number

Primary APN	`227-315-20`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,786 sqft Heated Area
Gross Area	1,905 sqft
1st Floor Area	746 sqft
Upper Floors Area	600 sqft
Flooring	Concrete/Cement
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Material	Asphalt
Lot Area	14,940 sqft (0.342 acres)
Garage Area	477 sqft
Porch	Porch
Porch Area	82 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	227-315-20
Street Address	644 CLEARBROOK RD
City	MATTHEWS
State	NC
Zip	28105-9606
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-12
Legal Description	L42 M27-725
Legal Subdivision	MATTHEWS ESTATES PH 04 MAP 01
Legal Lot Number	42
Jurisdiction	MECKLENBURG NC
Township / Civil Division	13, MORNING STAR
Census Block Group	1
Census Block	1023
Census Tract	5834

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	644 CLEARBROOK RD, MATTHEWS, NC 28105-9606
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2022	Warranty Deed, Transfer · Conventional Mortgage FIRST HORIZON BANK
Feb 16, 2021	Warranty Deed, Transfer · Conventional Mortgage AMERICAN SECURITY MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2022 · Amount on Record
Deed Sale	Jun 30, 2022 · Amount on Record
Prior Sale	Feb 16, 2021 · Amount on Record
Deed Document Number	0037468243
Deed Book / Page	37468 / 243
Record Updated	Jun 7, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Jun 30, 2022
Property Address	644 CLEARBROOK RD, MATTHEWS, NC 28105-9606
Document Number	0000097474
Book / Page	37468 / 243
Map Reference	MB 27 PG 725
Instrument Date	Jun 30, 2022
Instrument	2022097474
Transaction Type	Transfer
Record Updated	May 25, 2023
Title Company	NOT AVAILABLE, TRYON TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$894.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7318 CLADDAUGH LN, DUBLIN, OH 43016-5019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	644 CLEARBROOK RD, MATTHEWS, NC 28105-9606

Mortgage

Document Number	0000097475
Date	Jun 30, 2022
Instrument	2022097475

Lender

Name	FIRST HORIZON BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Jul 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	9.25%
Index	Other
Max Rate	9.25%

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Feb 16, 2021
Property Address	644 CLEARBROOK RD, MATTHEWS, NC 28105-9606
Document Number	0000029455
Book / Page	35676 / 846
Map Reference	MB 27 PG 725
Instrument Date	Feb 11, 2021
Instrument	2021029455
Transaction Type	Transfer
Record Updated	May 25, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$588.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1066 TENNYSON PL NE, BROOKHAVEN, GA 30319-1909

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	644 CLEARBROOK RD, MATTHEWS, NC 28105-9606

Mortgage

Document Number	0000029456
Date	Feb 16, 2021
Instrument	2021029456

Lender

Name	AMERICAN SECURITY MORTGAGE CORP
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	North Carolina
County	Mecklenburg County
Municipality	Matthews Town
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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 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

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

Wildfire Risk	Low lower than 97% of the US · lower than 98.5% of North Carolina
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 251 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Google Fiber Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Windstream.

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