1317 W 4th St, Charlotte, NC 28208 Property Records

Mecklenburg County property record for 1317 W 4th St, Charlotte, NC 28208

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,124 sqft · built 1940
Lot Size	0.12 acres (5,227 sqft)
Owner	Company Name on Record
Last Sale	$266,500 (Aug 2022)
Tax Bill	$2,765 (2024)
Deeds & Mortgages	Jan 2025 Mortgage Aug 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`073-232-08`

Property Details

APN / Parcel Number

Primary APN	`073-232-08`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,124 sqft Living Area
1st Floor Area	1,124 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1990
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,227 sqft (0.12 acres)
Porch	Enclosed/Finished Porch
Porch Area	83 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1317 W 4TH ST
City	CHARLOTTE
State	NC
Zip	28208-4460
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5
Legal Description	PT5&6 B4 M332 254
Legal Subdivision	WESLEY HEIGHTS
Legal Block	4
Legal Lot Number	8
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	2
Census Block	2001
Census Tract	4102

Owner

Source: Mecklenburg County records, as of April 16, 2026

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	8300 CHARTWELL DR, OAK RIDGE, NC 27310-9814
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Jan 30, 2025	Deed of Trust, Mortgage · Conventional Mortgage OAKTREE FUNDING CORP
Aug 23, 2022	Warranty Deed, Transfer · Commercial Mortgage FINANCE OF AMERICA MORTGAGE LLC
Mar 7, 2018	Deed of Trust, Mortgage · Line of Credit FIRST LEGACY COMMUNITY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 23, 2022 · Amount on Record
Deed Sale	Aug 23, 2022 · Amount on Record
Deed Document Number	2022121416
Deed Book / Page	37593 / 504
Prior Transfer Date	Aug 2, 2010
Prior Transfer Doc	0000088666
Record Updated	Oct 29, 2026

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	1317 W 4TH ST, CHARLOTTE, NC 28208-4460
Transaction Type	Mortgage
Record Updated	May 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8300 CHARTWELL DR, OAK RIDGE, NC 27310-9814

Mortgage

Document Number	0000008555
Date	Jan 30, 2025
Book Page	39352/652
Instrument	2025008555

Lender

Name	OAKTREE FUNDING CORP
Type	Subprime Lender
Address	CHANDLER, AZ 85226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2055

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Aug 23, 2022
Property Address	1317 W 4TH ST, CHARLOTTE, NC 28208-4460
Document Number	0000121416
Book / Page	37593 / 504
Map Reference	MB 332 PG 254
Instrument Date	Aug 19, 2022
Instrument	2022121416
Transaction Type	Transfer
Record Updated	May 22, 2026
Title Company	24 HOUR CLOSING

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$533.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	201 S SUMMIT AVE, CHARLOTTE, NC 28208-4412

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8300 CHARTWELL DR, OAK RIDGE, NC 27310-9814
Investor	Possibly a Property Investor

Mortgage

Document Number	0000121417
Date	Aug 23, 2022
Instrument	2022121417

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	13 Months
Due	Sep 1, 2023

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	1317 W 4TH ST, CHARLOTTE, NC 28208-4460
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000026327
Date	Mar 7, 2018
Book Page	32510/552
Instrument	2018026327

Lender

Name	FIRST LEGACY COMMUNITY CU
Type	Credit Union
Address	CHARLOTTE, NC 28216

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Mar 15, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$345,000 Land $270,000 Building $75,000	$345,000 Land $270,000 Building $75,000
2024	$2,765.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	5 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 Risk	Low lower than 97% of the US · lower than 98.5% 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 180 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
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
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: Google Fiber.

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