1304 E 10th St, Charlotte, NC 28204 Property Records

Mecklenburg County property record for 1304 E 10th St, Charlotte, NC 28204

Property Summary

Property Type	Single Family Home
Details	4 ba · 3,689 sqft · built 1910
Lot Size	0.113 acres (4,950 sqft)
Owner	Company Name on Record
Tax Bill	$4,109 (2023)
Deeds & Mortgages	Feb 2022 Construction Loan Apr 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`080-211-13`

Property Details

APN / Parcel Number

Primary APN	`080-211-13`

Interior

Full Baths	4 Baths
Stories	3 Stories
Building Area	3,689 sqft Heated Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Exterior Material	Stucco
Foundation Type	Slab (Mat/Raft)
Lot Area	4,950 sqft (0.113 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	080-211-13
Street Address	1304 E 10TH ST
City	CHARLOTTE
State	NC
Zip	28204-2051
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	B2
Legal Description	P11 B4 M202-485
Legal Subdivision	SPRATT ACRES
Legal Block	4
Legal Lot Number	11
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	2
Census Block	2002
Census Tract	2500

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Elizabeth Historic District listed 1989 · 893 contributing resources · NRIS 88003003

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Mecklenburg County records, as of June 14, 2023

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	615 S COLLEGE ST # 4130, 4130, CHARLOTTE, NC 28202-3354
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Feb 24, 2022	Deed of Trust, Mortgage · Construction Mortgage FARMERS & MERCHANTS BANK
Apr 16, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage FARMERS & MERCHANTS BANK
Apr 16, 2021	Warranty Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 16, 2021
Deed Sale	Apr 16, 2021
Prior Sale	Apr 16, 2021 · Amount on Record
Deed Document Number	0035949582
Deed Book / Page	35949 / 582
Record Updated	Jun 7, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	1304 E 10TH ST, CHARLOTTE, NC 28204-2051
Transaction Type	Mortgage
Record Updated	Jun 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3500 SEWARD PL, CHARLOTTE, NC 28211-3745

Mortgage

Document Number	0000029731
Date	Feb 24, 2022
Book Page	37094/115
Instrument	2022029731

Lender

Name	FARMERS & MERCHANTS BANK
Type	Bank
Address	SALISBURY, NC 28144

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Apr 16, 2021
Property Address	1304 E 10TH ST, CHARLOTTE, NC 28204-2051
Document Number	0000075828
Book / Page	35949 / 576
Map Reference	MB 202 PG 485
Instrument Date	Apr 1, 2021
Instrument	2021075828
Transaction Type	Transfer
Record Updated	Jun 15, 2023
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Tax	$422.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 661, PINEVILLE, NC 28134-0661

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	615 S COLLEGE ST # 4130, 4130, CHARLOTTE, NC 28202-3354

Mortgage

Document Number	0000075830
Date	Apr 16, 2021
Instrument	2021075830

Lender

Name	FARMERS & MERCHANTS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Apr 16, 2021
Property Address	1304 E 10TH ST, CHARLOTTE, NC 28204-2051
Document Number	0000075829
Book / Page	35949 / 582
Instrument Date	Apr 1, 2021
Instrument	2021075829
Transaction Type	Transfer
Record Updated	Jun 15, 2023
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 661, PINEVILLE, NC 28134-0661

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	615 S COLLEGE ST # 4130, 4130, CHARLOTTE, NC 28202-3354

Tax Assessment & Valuation

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

Property Jurisdictions

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

Flood

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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.5% of North Carolina
Wildfire Likelihood	Under 0.01% 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	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

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 218 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	1,000 / 75
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Google Fiber.

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