Mecklenburg County property record for 648 Charter Pl, Charlotte, NC 28211
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,202 sqft · built 1975 |
| Lot Size | 0.32 acres (13,939 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $335,000 (Feb 2018) |
| Tax Bill | $3,830 (2024) |
| Deeds & Mortgages | Apr 2026 Mortgage Dec 2020 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 189-301-66 |
| Primary APN | 189-301-66 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,202 sqft Living Area |
| 1st Floor Area | 1,446 sqft |
| Upper Floors Area | 756 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 13,939 sqft (0.32 acres) |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 304 sqft |
| Deck Area | 144 sqft |
| Patio Area | 196 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Street Address | 648 CHARTER PL |
|---|---|
| City | CHARLOTTE |
| State | NC |
| Zip | 28211-5612 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3 |
| Legal Description | L10 B1 M17-426 |
| Legal Subdivision | STONEHAVEN SEC 20 PH C |
| Legal Block | 1 |
| Legal Lot Number | 10 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 1, CHARLOTTE |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 2008 |
648 Charter Pl is owned and occupied by two individuals who bought it in February 2018.
Source: Mecklenburg County records, as of April 16, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 648 CHARTER PL, CHARLOTTE, NC 28211-5612 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
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 |
|---|---|
| Apr 6, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Dec 4, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Jan 27, 2020 | Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS |
| Feb 15, 2018 | Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Jun 1, 2017 | Warranty Deed, Transfer · Construction Mortgage FINANCE OF AMERICA COM'L LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 15, 2018 · Amount on File |
| Deed Sale | Feb 15, 2018 · Amount on File |
| Prior Sale | Jun 1, 2017 · Amount on File |
| Deed Document Number | 201817620 |
| Deed Book / Page | 32466 / 909 |
| Prior Transfer Date | Jun 24, 1998 |
| Prior Transfer Doc | 9777000065 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Apr 6, 2026 |
| Property Address | 648 CHARTER PL, CHARLOTTE, NC 28211-5612 |
| Document Number | 0000034533 |
| Book / Page | 40323 / 919 |
| Instrument Date | Apr 3, 2026 |
| Instrument | 202634533 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 648 CHARTER PL, CHARLOTTE, NC 28211-5612 |
| Document Number | 0000034533, |
|---|---|
| Date | Apr 6, 2026 |
| Book Page | 40323/919 |
| Instrument | 202634533 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | May 1, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.43% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 648 CHARTER PL, CHARLOTTE, NC 28211-5612 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000205185 |
|---|---|
| Date | Dec 4, 2020 |
| Book Page | 35393/766 |
| Instrument | 2020205185 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 648 CHARTER PL, CHARLOTTE, NC 28211-5612 |
| Document Number | 0000014550 |
| Instrument Date | Jan 27, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 28, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 648 CHARTER PL CHARLOTTE NC 282115612, CHARLOTTE, NC 28211-5612 |
| Document Number | 0000014550 |
|---|---|
| Date | Jan 31, 2020 |
| Book Page | 034248/000499 |
| Instrument | 14550 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 30, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Feb 15, 2018 |
| Property Address | 648 CHARTER PL, CHARLOTTE, NC 28211-5612 |
| Document Number | 0000017620 |
| Book / Page | 32466 / 909 |
| Map Reference | MB17 PG426 |
| Instrument Date | Feb 15, 2018 |
| Instrument | 2018017620 |
| Transaction Type | Transfer |
| Record Updated | Jun 15, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $670.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2412 KENMORE AVE, 2412, CHARLOTTE, NC 28204-4350 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 648 CHARTER PL, CHARLOTTE, NC 28211-5612 |
| Document Number | 0000017621 |
|---|---|
| Date | Feb 15, 2018 |
| Instrument | 2018017621 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Jun 1, 2017 |
| Property Address | 648 CHARTER PL, CHARLOTTE, NC 28211-5612 |
| Document Number | 0000072161 |
| Book / Page | 031845 / 000680 |
| Instrument Date | May 31, 2017 |
| Instrument | 72161 |
| Transaction Type | Transfer |
| Record Updated | Jul 11, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $397.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 2412 KENMORE AVE CHARLOTTE NC 282044350, CHARLOTTE, NC 28204-4350 |
| Document Number | 72162 |
|---|---|
| Date | Jun 1, 2017 |
| Book Page | 031845/000682 |
| Instrument | 72162 |
| Name | FINANCE OF AMERICA COM'L LLC |
|---|---|
| Address | NORTHBROOK, IL 60062 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | May 31, 2018 |
Source: Mecklenburg County assessment roll, as of September 9, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mecklenburg County |
| Municipality | Charlotte City |
| Unified School District | Charlotte-Mecklenburg Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $485,600 Land $90,000 Building $395,600 | $485,600 Land $90,000 Building $395,600 | |
| 2024 | $3,830.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 648 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 648 Charter Pl is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · above 43% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.03% 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures