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818 E Charles St, Matthews, NC 28105 Property Records

Mecklenburg County property record for 818 E Charles St, Matthews, NC 28105

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,008 sqft · built 1921
Lot Size0.573 acres (24,972 sqft)
OwnerCompany Name on Record
Last Sale$125,000 (Oct 2022)
Tax Bill$1,617 (2023)
Deeds & MortgagesJan 2026 Mortgage
Apr 2025 Sale & Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN215-042-04

Property Details

APN / Parcel Number

Primary APN215-042-04

Interior

Bedrooms3 Beds
Full Baths1 Bath
Stories1 Story
Building Area1,008 sqft Heated Area
Gross Area1,252 sqft
1st Floor Area1,008 sqft
FireplaceFireplace

Exterior

Year BuiltBuilt 1921
Architectural StyleOther
Exterior MaterialAluminum/Vinyl
Foundation TypeRaised
Roof MaterialAsphalt
Lot Area24,972 sqft (0.573 acres)
PorchPorch
Porch Area144 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air
Heating FuelOil

Location & Zoning

Old Parcel Number215-042-04
Street Address818 E CHARLES ST
CityMATTHEWS
StateNC
Zip28105-4775
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeCRC2
Legal DescriptionDIST:5 CITY/MUNI/TWP:MATTHEWS MAP REF:BK 215 PG 4
Legal SubdivisionGREAT OAKS PH I
JurisdictionMECKLENBURG NC
Township / Civil Division13, MORNING STAR
Census Block Group1
Census Block1009
Census Tract5834

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 RecordCompany Name on Record
Mailing AddressPO BOX 65, FORT MILL, SC 29716-0065
Owner TypeCompany

Deeds, Mortgages & Sale History

DateDocument
Jan 23, 2026Deed of Trust, Mortgage · FHA Mortgage
FREEDOM MORTGAGE CORP
Apr 17, 2025Warranty Deed, Transfer · FHA Mortgage
GUARANTEED RATE INC
Oct 24, 2022Warranty Deed, Transfer
Jun 5, 2017Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleOct 24, 2022 · Amount on Record
Deed SaleOct 24, 2022 · Amount on Record
Prior SaleJun 5, 2017
Deed Document Number0000377311
Deed Book / Page37731 / 1
Record UpdatedSep 20, 2026

January 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMECKLENBURG NC
Property Address818 E CHARLES ST, MATTHEWS, NC 28105-4775
Transaction TypeMortgage
Record UpdatedMay 22, 2026
Title CompanyMORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

NameVerified Name
Address818 E CHARLES ST, MATTHEWS, NC 28105-4775

Mortgage

Document Number0000007029
DateJan 23, 2026
Book Page40154/238
Instrument2026007029
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressBOCA RATON, FL 33431
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term353 Months
DueJun 1, 2055

April 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMECKLENBURG NC
Recording DateApr 17, 2025
Property Address818 E CHARLES ST, MATTHEWS, NC 28105-4775
Document Number0000036490
Book / Page39518 / 816
Map ReferenceMB 74 PG 763
Instrument DateApr 15, 2025
Instrument2025036490
Transaction TypeTransfer
Record UpdatedMay 22, 2026
Title CompanyTRIBUNE TITLE LLC, TRI BECKER TITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$800.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 1382, WAXHAW, NC 28173-1014

Transferred To (Grantee/Buyer)

NameVerified Name
Address818 E CHARLES ST, MATTHEWS, NC 28105-4775

Mortgage

Document Number0000036491
DateApr 17, 2025
Instrument2025036491
Lender
NameGUARANTEED RATE INC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueMay 1, 2055

October 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMECKLENBURG NC
Recording DateOct 24, 2022
Property Address818 E CHARLES ST, MATTHEWS, NC 28105-4775
Document Number0000146403
Book / Page37731 / 1
Instrument DateOct 24, 2022
Instrument2022146403
Transaction TypeTransfer
Record UpdatedMay 22, 2026

Transaction

AmountAmount Recorded
Tax$250.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address612 MATTHEWS CHAPEL RD, MATTHEWS, NC 28105-1739

Transferred To (Grantee/Buyer)

NameVerified Name
Address818 E CHARLES ST, MATTHEWS, NC 28105-4775

June 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionMECKLENBURG NC
Recording DateJun 5, 2017
Property Address818 E CHARLES ST, MATTHEWS, NC 28105-4775
Document Number0000074020
Book / Page031856 / 000085
Instrument DateMay 1, 2017
Instrument74020
Transaction TypeTransfer
Record UpdatedJul 13, 2017
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
AddressPO BOX 533 MATTHEWS NC 281060533, MATTHEWS, NC 28106-0533

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateNorth Carolina
CountyMecklenburg County
MunicipalityMatthews Town
Unified School DistrictCharlotte-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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies3 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 RiskLow
lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood0.03% annual chance
ExposureDirect
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 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 210 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Google Fiber
Fiber		8,000 / 8,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

May also be available: Ripple Fiber, Windstream.

Cell Coverage

5G (outdoors only) and 4G LTE

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