1341 Downs Ave, Charlotte, NC 28205 Property Records

Mecklenburg County property record for 1341 Downs Ave, Charlotte, NC 28205

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,520 sqft · built 2019
Lot Size	0.169 acres (7,404 sqft)
Owner	Individual Name on Record
Last Sale	$1,060,000 (Mar 2023)
Tax Bill	$8,835 (2023)
Deeds & Mortgages	Sep 2021 Mortgage Mar 2023 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`093-091-07`

Property Details

APN / Parcel Number

Primary APN	`093-091-07`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,520 sqft Heated Area
Gross Area	877 sqft
1st Floor Area	793 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Material	Asphalt
Lot Area	7,404 sqft (0.169 acres)
Porch	Porch
Porch Area	84 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	093-091-07
Street Address	1341 DOWNS AVE
City	CHARLOTTE
State	NC
Zip	28205-2013
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-5
Legal Description	L23 B1 M3-293
Legal Subdivision	DAVIS PARK
Legal Block	1
Legal Lot Number	23
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	2
Census Block	2003
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
Mailing Address	1341 DOWNS AVE, CHARLOTTE, NC 28205-2013
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA
Mar 10, 2023	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
Jul 25, 2019	Warranty Deed, Construction Loan · Construction Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA
Aug 27, 2018	Loan Modification, Mortgage ATTORNEY ONLY
Aug 30, 2018	Warranty Deed, Transfer ATTORNEY ONLY
May 18, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 10, 2023 · Amount on Record
Deed Sale	Mar 10, 2023 · Amount on Record
Prior Sale	Jul 25, 2019 · Amount on Record
Deed Document Number	0003798322
Deed Book / Page	37983 / 22
Record Updated	Jun 7, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	1341 DOWNS AVE, CHARLOTTE, NC 28205-2013
Transaction Type	Mortgage
Record Updated	May 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000182118
Date	Sep 22, 2021
Book Page	36559/870
Instrument	2021182118

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank
Address	HERMITAGE, PA 16148

Agreement

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

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Mar 10, 2023
Property Address	1341 DOWNS AVE, CHARLOTTE, NC 28205-2013
Document Number	0000021271
Book / Page	37983 / 22
Map Reference	MB 3 PG 293
Instrument Date	Mar 10, 2023
Instrument	2023021271
Transaction Type	Transfer
Record Updated	May 25, 2023
Title Company	NOT AVAILABLE, CARDINAL TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,120.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6339 POND LILY ST, PROSPECT, KY 40059-6593

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021272
Date	Mar 10, 2023
Instrument	2023021272

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.2%
Type Change Date	Apr 1, 2028
Change Frequency	5 Years
Min Rate At Change	3.25%
Max Rate At Change	7.2%
Index	5-Year TN
Margin	2
Max Rate	11.2%

July 2019: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Jul 25, 2019
Property Address	1341 DOWNS AVE, CHARLOTTE, NC 28205-2013
Document Number	0000094340
Book / Page	33696 / 839
Map Reference	MB 3 PG 293
Instrument Date	Jul 23, 2019
Instrument	2019094340
Transaction Type	Construction Loan
Record Updated	Aug 23, 2022

Transaction

Amount	Amount Recorded
Tax	$440.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2649 BREKONRIDGE CENTRE DR, 2649, MONROE, NC 28110-5629

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4512 NIGHT HERON LN, CHARLOTTE, NC 28211-2681

Mortgage

Document Number	0000094341
Date	Jul 25, 2019
Instrument	2019094341

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Aug 1, 2050

August 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MECKLENBURG NC
Property Address	1341 DOWNS AVE, CHARLOTTE, NC 28205-2013
Document Number	0000110486
Instrument Date	Aug 27, 2018
Transaction Type	Mortgage
Record Updated	Feb 28, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2649 BREKONRIDGE CENTRE DR MONROE NC 281105629, MONROE, NC 28110-5629
Investor	Possibly a Property Investor

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Aug 30, 2018
Property Address	1341 DOWNS AVE, CHARLOTTE, NC 28205-2013
Document Number	0000110485
Book / Page	032943 / 000618
Instrument Date	Aug 27, 2018
Instrument	110485
Transaction Type	Transfer
Record Updated	Sep 21, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$424.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2649 BREKONRIDGE CENTRE DR MONROE NC 281105629, MONROE, NC 28110-5629
Investor	Possibly a Property Investor

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	May 18, 2017
Property Address	1341 DOWNS AVE, CHARLOTTE, NC 28205-2013
Document Number	0000065680
Book / Page	031810 / 000563
Instrument Date	May 18, 2017
Instrument	65680
Transaction Type	Transfer
Record Updated	May 30, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$300.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11912 ROYAL LYTHAM CT CHARLOTTE NC 282772514, CHARLOTTE, NC 28277-2514

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 99.8% of the US · lower than 99.9% 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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