1316 Downs Ave, Charlotte, NC 28205 Property Records

Mecklenburg County property record for 1316 Downs Ave, Charlotte, NC 28205

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,803 sqft · built 2014
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$415,000 (Sep 2017)
Tax Bill	$5,538 (2024)
Deeds & Mortgages	May 2026 Line of Credit Jan 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`093-092-24`

Property Details

APN / Parcel Number

Primary APN	`093-092-24`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,803 sqft Living Area
1st Floor Area	1,251 sqft
Upper Floors Area	552 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Exterior Material	Concrete
Construction Type	Frame
Foundation Type	No Foundation
Roof Material	Other
Lot Area	7,405 sqft (0.17 acres)

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	119 sqft
Deck Area	192 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	1316 DOWNS AVE
City	CHARLOTTE
State	NC
Zip	28205-2014
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	O-2
Legal Description	L6 B6 M3-293
Legal Subdivision	DAVIS PARK
Legal Block	6
Legal Lot Number	6
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	2
Census Block	2006
Census Tract	1300

Owner

Source: Mecklenburg County assessment roll, as of September 9, 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 File
Mailing Address	1316 DOWNS AVE, CHARLOTTE, NC 28205-2014
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 1, 2026	Deed of Trust, Mortgage · Line of Credit NAVY FEDERAL CREDIT UNION
Jan 25, 2022	Deed of Trust, Mortgage · Conventional Mortgage TIDEWATER MORTGAGE SERVICES INC
Sep 27, 2017	Warranty Deed, Transfer · Conventional Mortgage PRIMARY RESIDENTIAL MORTGAGE INC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 27, 2017 · Amount on Record
Deed Sale	Sep 27, 2017 · Amount on Record
Prior Sale	Mar 20, 2015 · Amount on Record
Deed Document Number	2017131174
Deed Book / Page	32152 / 513
Prior Transfer Date	Mar 26, 2004
Prior Transfer Doc	0000079274
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Recording Date	May 1, 2026
Property Address	1316 DOWNS AVE, CHARLOTTE, NC 28205-2014
Document Number	0000045354
Book / Page	40389 / 545
Instrument Date	Apr 23, 2026
Instrument	202645354
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1316 DOWNS AVE, CHARLOTTE, NC 28205-2014

Mortgage

Document Number	0000045354,
Date	May 1, 2026
Book Page	40389/545
Instrument	202645354

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	May 1, 2066

Interest

Rate	6.38%
Max Rate	-1%

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	1316 DOWNS AVE, CHARLOTTE, NC 28205-2014
Transaction Type	Mortgage
Record Updated	May 25, 2023
Title Company	CROWN TITLE CORPORATION

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012340
Date	Jan 25, 2022
Book Page	36996/650
Instrument	2022012340

Lender

Name	TIDEWATER MORTGAGE SERVICES INC
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Sep 27, 2017
Property Address	1316 DOWNS AVE, CHARLOTTE, NC 28205-2014
Document Number	0000131174
Book / Page	32152 / 513
Map Reference	MB3 PG293
Instrument Date	Sep 27, 2017
Instrument	2017131174
Transaction Type	Transfer
Record Updated	Aug 23, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$830.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3664 MELROSE COTTAGE DR, 3664, MATTHEWS, NC 28105-8429

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	00000

Mortgage

Document Number	0000131175
Date	Sep 27, 2017
Instrument	2017131175

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2047

Tax Assessment & Valuation

Source: Mecklenburg County assessment roll, as of September 9, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$711,100 Land $230,000 Building $481,100	$711,100 Land $230,000 Building $481,100
2024	$5,538.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective October 3, 2024 · 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
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	2 (2011–2021)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Aug 2021 · river or lake flooding

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 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

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

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL 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
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Google Fiber.

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