1320 Downs Ave, Charlotte, NC 28205 Property Records

Mecklenburg County property record for 1320 Downs Ave, Charlotte, NC 28205

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 910 sqft · built 1947
Lot Size	0.172 acres (7,501 sqft)
Owner	Individual Name on Record
Last Sale	$279,000 (Mar 2021)
Tax Bill	$2,793 (2023)
Deeds & Mortgages	Mar 2021 Sale & Mortgage Oct 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`093-092-23`

Property Details

APN / Parcel Number

Primary APN	`093-092-23`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	910 sqft Heated Area
Gross Area	654 sqft
1st Floor Area	624 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1947
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	7,501 sqft (0.172 acres)
Garage Area	480 sqft
Porch	Porch
Porch Area	30 sqft
Patio Area	25 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	093-092-23
Street Address	1320 DOWNS AVE
City	CHARLOTTE
State	NC
Zip	28205-2014
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-5
Legal Description	L7 B6 M3-293
Legal Subdivision	DAVIS PARK
Legal Block	6
Legal Lot Number	7
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	2
Census Block	2006
Census Tract	1300

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 Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	1320 DOWNS AVE, CHARLOTTE, NC 28205-2014
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2021	Warranty Deed, Transfer · Conventional Mortgage US BANK NA
Oct 30, 2017	Warranty Deed, Transfer · Conventional Mortgage AMERICAN SECURITY MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 30, 2021 · Amount on Record
Deed Sale	Mar 30, 2021 · Amount on Record
Prior Sale	Oct 30, 2017 · Amount on Record
Deed Document Number	0035874723
Deed Book / Page	35874 / 723
Record Updated	Jun 7, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Mar 30, 2021
Property Address	1320 DOWNS AVE, CHARLOTTE, NC 28205-2014
Document Number	0000062429
Book / Page	35874 / 723
Map Reference	MB 3 PG 293
Instrument Date	Mar 30, 2021
Instrument	2021062429
Transaction Type	Transfer
Record Updated	May 25, 2023
Title Company	HARBOR CITY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$558.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2015 THE PLZ, CHARLOTTE, NC 28205-3031

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1320 DOWNS AVE, CHARLOTTE, NC 28205-2014

Mortgage

Document Number	0000062430
Date	Mar 30, 2021
Instrument	2021062430

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Oct 30, 2017
Property Address	1320 DOWNS AVE, CHARLOTTE, NC 28205-2014
Document Number	0000146611
Book / Page	32232 / 593
Map Reference	MB3 PG293
Instrument Date	Oct 30, 2017
Instrument	2017146611
Transaction Type	Transfer
Record Updated	Jun 15, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$395.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4303 CANTEY PL, 4303, CHARLOTTE, NC 28211-0404

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1320 DOWNS AVE, CHARLOTTE, NC 28205-2014

Mortgage

Document Number	0000146612
Date	Oct 30, 2017
Instrument	2017146612

Lender

Name	AMERICAN SECURITY MORTGAGE CORP
Type	Mortgage Company

Agreement

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

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 · 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

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 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 Fixed Wireless	100 / 20

May also be available: Google Fiber.

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