904 Charles St, Windsor, NC 27983 Property Records

Bertie County property record for 904 Charles St, Windsor, NC 27983

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 728 sqft · built 1979
Lot Size	0.62 acres (27,007 sqft)
Owner	Individual Name on File
Last Sale	$129,000 (Jun 2020)
Tax Bill	$2,069 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Jun 2020 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`6802-35-5203`

Property Details

APN / Parcel Number

Primary APN	`6802-35-5203`
Alternative APN	`34938`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	728 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Roof Type	Hip
Roof Material	Wood Shingle
Lot Area	27,007 sqft (0.62 acres)
Lot Dimensions	190 ft deep x 157 ft wide
Garage Type	Carport
Garage Area	1,394 sqft
Carport	Carport
Carport Area	1,394 sqft
Driveway	Driveway
Parking Spaces	5 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	34938
Street Address	904 CHARLES ST
City	WINDSOR
State	NC
Zip	27983-1937
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-10 SINGL
Legal Description	S GARDENS
Legal Subdivision	SPRUILL PARK
Jurisdiction	BERTIE NC
Township / Civil Division	WINDSOR
Census Block Group	3
Census Block	3029
Census Tract	960401

Owner

904 Charles St is owned and occupied by an individual who bought it in June 2020.

Source: Bertie County records, as of April 27, 2026

Owner of Record	Individual Name on File
Mailing Address	904 CHARLES ST, WINDSOR, NC 27983-1937
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage AFFILIATED MORTGAGE SERVICES
Jun 5, 2020	Warranty Deed, Transfer · Line of Credit SOUTHERN BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 5, 2020 · Amount on File
Deed Sale	Jun 5, 2020 · Amount on File
Deed Book / Page	989 / 226
Record Updated	Jun 8, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERTIE NC
Property Address	904 CHARLES ST, WINDSOR, NC 27983-1937
Transaction Type	Mortgage
Record Updated	Aug 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001000/770
Date	Aug 16, 2021
Book Page	1000/770

Lender

Name	AFFILIATED MORTGAGE SERVICES
Type	Mortgage Company
Address	ROCKY MOUNT, NC 27804

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERTIE NC
Recording Date	Jun 5, 2020
Property Address	904 CHARLES ST, WINDSOR, NC 27983-1937
Document Number	000989/226
Book / Page	989 / 226
Instrument Date	May 29, 2020
Transaction Type	Transfer
Record Updated	Aug 22, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$258.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	310 US HIGHWAY 1317S, 310, WINDSOR, NC 27983

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	904 CHARLES ST, WINDSOR, NC 27983-1937

Mortgage

Document Number	0000989229
Date	Jun 5, 2020
Instrument	989/229

Lender

Name	SOUTHERN BANK & TRUST CO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 904 Charles St was $2,069.

Source: Bertie County assessment roll, as of April 27, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Bertie County
Municipality	Windsor Town
Unified School District	Bertie County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,069.00	$176,842 (-) Land $9,963 Building $166,879	$176,842 (-) Land $9,963 Building $166,879
2024		$176,842 (-) Land $9,963 Building $166,879	$176,842 (-) Land $9,963 Building $166,879
2023		$176,842 Land $9,963 Building $166,879	$176,842 Land $9,963 Building $166,879
2022	$1,786.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 904 Charles St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective January 17, 2025 · 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	2 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

Wildfire risk around 904 Charles St is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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	TOWN OF WINDSOR serves 2,433 people · EPA ID NC0408010
Water Source	Groundwater
Last State Inspection	Apr 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 142 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Fybe Fiber	2,000 / 2,000
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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