649 Charles St, Henderson, NC 27536 Property Records

Vance County property record for 649 Charles St, Henderson, NC 27536

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,056 sqft · built 1980
Lot Size	0.26 acres (11,326 sqft)
Owner	Individual Name on Record
Last Sale	$83,500 (Mar 2020)
Tax Bill	$1,373 (2025)
Deeds & Mortgages	Mar 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0073 01012C`

Property Details

APN / Parcel Number

Primary APN	`0073 01012C`
Alternative APN	`1029410`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,056 sqft Finished Area
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Lot Area	11,326 sqft (0.26 acres)

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Account Number	1029410
Street Address	649 CHARLES ST
City	HENDERSON
State	NC
Zip	27536-4315
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	649 CHARLES ST
Legal Block	01
Jurisdiction	VANCE NC
Township / Civil Division	HENDERSON
Census Block Group	1
Census Block	1000
Census Tract	960700

Owner

Source: Vance County records, as of October 20, 2025

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
Mailing Address	649 CHARLES ST, HENDERSON, NC 27536-4315
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 10, 2020 · Amount on Record
Deed Sale	Mar 10, 2020 · Amount on Record
Deed Document Number	0013720313
Deed Book / Page	1372 / 0313
Record Updated	Jun 8, 2026

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	VANCE NC
Recording Date	Mar 10, 2020
Property Address	649 CHARLES ST, HENDERSON, NC 27536-4315
Document Number	1372/313
Book / Page	1372 / 313
Instrument Date	Mar 10, 2020
Instrument	853
Transaction Type	Transfer
Record Updated	Aug 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$167.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	854
Date	Mar 10, 2020
Instrument	854

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Change Frequency	5 Years
Index	5-Year CMT
Margin	2
Max Rate	6%

Tax Assessment & Valuation

Source: Vance County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Vance County
Municipality	Henderson City
Unified School District	Vance County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,373.00 (+75.8%)	$90,063 (+123.37%) Land $7,200 Building $82,863	$90,063 (+123.37%) Land $7,200 Building $82,863
2023	$781.00	$40,320 Land $6,930 Building $33,390	$40,320 Land $6,930 Building $33,390

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 18, 2025

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

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	Under 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	HENDERSON-KERR LAKE REG WTR serves 14,937 people · EPA ID NC0291010
Water Source	Surface water
Last State Inspection	Mar 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jul 2021
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 364 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20