1320 Thomas Ave, Charlotte, NC 28205 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 1,937 sqft · built 1920
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on File
Last Sale	$1,065,000 (Dec 2024)
Tax Bill	$6,346 (2025)
Deeds & Mortgages	Oct 2025 Mortgage May 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`081-173-04`

Property Details

APN / Parcel Number

Primary APN	`081-173-04`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,937 sqft Living Area
1st Floor Area	1,937 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 2015
Exterior Material	Brick
Construction Type	Frame
Foundation Type	No Foundation
Roof Type	Hip
Roof Material	Asphalt
Lot Area	6,970 sqft (0.16 acres)
Garage Type	Carport
Carport	Carport
Porch	Finished/Open Porch
Porch Area	588 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1320 THOMAS AVE
City	CHARLOTTE
State	NC
Zip	28205-3442
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-5 (HD)
Legal Description	L7 B25 M3-2
Legal Subdivision	OAKHURST
Legal Block	25
Legal Lot Number	7
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	3
Census Block	3009
Census Tract	1000

Owner

1320 Thomas Ave is owned and occupied by two individuals who bought it in December 2024.

Source: Mecklenburg County records, as of August 18, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1320 THOMAS AVE, CHARLOTTE, NC 28205-3442
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
Oct 10, 2025	Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC COAST MORTGAGE
May 8, 2023	Warranty Deed, Transfer NOT AVAILABLE, TRYON TITLE
Mar 2, 2022	Warranty Deed, Transfer · Commercial Mortgage CIVIC FINANCIAL SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 2, 2024 · Amount on File
Deed Sale	Dec 2, 2024 · Amount on File
Prior Sale	May 8, 2023 · Amount on File
Deed Document Number	2024115085
Deed Book / Page	39242 / 339
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	1320 THOMAS AVE, CHARLOTTE, NC 28205-3442
Transaction Type	Mortgage
Record Updated	Oct 22, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1320 THOMAS AVE, CHARLOTTE, NC 28205-3442

Mortgage

Document Number	0000103790
Date	Oct 10, 2025
Book Page	39922/224
Instrument	2025103790

Lender

Name	ATLANTIC COAST MORTGAGE
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	May 8, 2023
Property Address	1320 THOMAS AVE, CHARLOTTE, NC 28205-3442
Document Number	0000042024
Book / Page	38105 / 597
Map Reference	MB 195 PG 28&29
Instrument Date	May 4, 2023
Instrument	2023042024
Transaction Type	Transfer
Record Updated	May 25, 2023
Title Company	NOT AVAILABLE, TRYON TITLE

Transaction

Amount	Amount on Record
Tax	$1,050.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16919 YOUNGBLOOD RD, CHARLOTTE, NC 28278-9019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10926 QUALITY DR UNIT 411282, 411282, CHARLOTTE, NC 28241-0276

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Mar 2, 2022
Property Address	1320 THOMAS AVE, CHARLOTTE, NC 28205-3442
Document Number	0000033221
Book / Page	37115 / 330
Map Reference	MB 195 PG 28&29
Instrument Date	Feb 28, 2022
Instrument	2022033221
Transaction Type	Transfer
Record Updated	May 25, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,160.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	612 DANFORTH PL, FAYETTEVILLE, NC 28303-2612

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16919 YOUNGBLOOD RD, CHARLOTTE, NC 28278-9019
Investor	Possibly a Property Investor

Mortgage

Document Number	0000033222
Date	Mar 2, 2022
Instrument	2022033222

Lender

Name	CIVIC FINANCIAL SERVICES LLC
Type	Funding / Finance Company

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	13 Months
Due	Apr 1, 2023

Tax Assessment & Valuation

The 2025 property tax bill for 1320 Thomas Ave was $6,346.

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	$6,346.00	$804,800 Land $350,000 Building $454,800	$804,800 Land $350,000 Building $454,800

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

Flood

FEMA maps place 1320 Thomas Ave in Zone X, an area of minimal flood risk.

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	3 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 1320 Thomas Ave is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 99% 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 471 locations within half a mile, as of December 31, 2025

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

May also be available: Google Fiber.

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