Vance County property record for 655 Charles St, Henderson, NC 27536
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 960 sqft · built 1980 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | Individual Name on File |
| Last Sale | $88,000 (May 2019) |
| Tax Bill | $1,640 (2025) |
| Deeds & Mortgages | May 2019 Sale & Mortgage Mar 2018 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0073 01012 |
| Primary APN | 0073 01012 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 960 sqft Finished Area |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Lot Area | 11,326 sqft (0.26 acres) |
| Heating System | Forced Air |
|---|
| Account Number | 1027721 |
|---|---|
| Street Address | 655 CHARLES ST |
| City | HENDERSON |
| State | NC |
| Zip | 27536-4315 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 655 CHARLES ST |
| Legal Block | 01 |
| Jurisdiction | VANCE NC |
| Township / Civil Division | HENDERSON |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 960700 |
655 Charles St is owned and occupied by an individual who bought it in May 2019.
Source: Vance County records, as of October 20, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 655 CHARLES ST, HENDERSON, NC 27536-4315 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| May 17, 2019 | Warranty Deed, Transfer · Conventional Mortgage TOWNE MORTGAGE OF THE CAROLINAS |
| Mar 21, 2018 | Special Warranty Deed, Transfer |
| Feb 20, 2018 | Trustee's Deed, Foreclosure |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 17, 2019 · Amount on File |
| Deed Sale | May 17, 2019 · Amount on File |
| Prior Sale | Mar 21, 2018 · Amount on File |
| Deed Document Number | 0013590245 |
| Deed Book / Page | 1359 / 0245 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | VANCE NC |
| Recording Date | May 17, 2019 |
| Property Address | 655 CHARLES ST, HENDERSON, NC 27536-4315 |
| Document Number | 01359/0245 |
| Book / Page | 1359 / 0245 |
| Instrument Date | May 17, 2019 |
| Instrument | 01757 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2022 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $176.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2611 BARWICK DR, 2611, DURHAM, NC 27704-4007 |
| Name | Verified Name |
|---|---|
| Address | 655 CHARLES ST, HENDERSON, NC 27536-4315 |
| Document Number | 0000001758 |
|---|---|
| Date | May 17, 2019 |
| Instrument | 01758 |
| Name | TOWNE MORTGAGE OF THE CAROLINAS |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2049 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | VANCE NC |
| Recording Date | Mar 21, 2018 |
| Property Address | 655 CHARLES ST, HENDERSON, NC 27536-4315 |
| Document Number | 01340/1059 |
| Book / Page | 1340 / 1059 |
| Instrument Date | Mar 16, 2018 |
| Instrument | 01010 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 650043, DALLAS, TX 75265-0043 |
| Name | Verified Name |
|---|---|
| Address | 2611 BARWICK DR, DURHAM, NC 27704-4007 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | VANCE NC |
| Recording Date | Feb 20, 2018 |
| Property Address | 655 CHARLES ST, HENDERSON, NC 27536-4315 |
| Document Number | 01339/0980 |
| Book / Page | 1339 / 0980 |
| Instrument Date | Feb 15, 2018 |
| Instrument | 00643 |
| Transaction Type | Foreclosure |
| Record Updated | Aug 24, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $45.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 14221 DALLAS PKWY STE 1000, 1000, DALLAS, TX 75254-2946 |
The 2025 property tax bill for 655 Charles St was $1,640.
Source: Vance County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Vance County |
| Municipality | Henderson City |
| Unified School District | Vance County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,640.00 | $109,687 Land $7,200 Building $102,487 | $109,687 Land $7,200 Building $102,487 |
| 2023 | $730.00 | $37,246 Land $7,110 Building $30,136 | $37,246 Land $7,110 Building $30,136 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 655 Charles St in Zone X, an area of minimal flood risk.
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 risk around 655 Charles St 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 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.
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 |
| 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.
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 |
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