Mecklenburg County property record for 13431 Erwin Rd, Charlotte, NC 28273
| Property Type | Townhouse |
|---|---|
| Details | 3 bd · 2.5 ba · 1,536 sqft · built 2009 |
| Lot Size | 0.03 acres (1,307 sqft) |
| Owner | Individual Name on File |
| Last Sale | $116,000 (Oct 2009) |
| Tax Bill | $2,071 (2025) |
| Deeds & Mortgages | Sep 2026 Mortgage Jul 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 219-017-94 |
| Primary APN | 219-017-94 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,536 sqft Living Area |
| Gross Area | 1,776 sqft |
| 1st Floor Area | 648 sqft |
| Upper Floors Area | 888 sqft |
| Year Built | Built 2009 |
|---|---|
| Effective Year Built | Effective 2009 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Asphalt |
| Lot Area | 1,307 sqft (0.03 acres) |
| Garage Type | Attached |
| Garage Area | 240 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 32 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 13431 ERWIN RD |
|---|---|
| City | CHARLOTTE |
| State | NC |
| Zip | 28273-4606 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | R-12MF(CD) |
| Legal Description | L48D M51-217 |
| Legal Subdivision | LIONS GATE PH 02 MAP 11 |
| Legal Block | 7 |
| Legal Lot Number | 48D |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 1, CHARLOTTE |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 5931 |
13431 Erwin Rd, a townhouse, is owned and occupied by an individual who bought it in October 2009.
Source: Mecklenburg County records, as of October 2, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 13431 ERWIN RD, CHARLOTTE, NC 28273-4606 |
| 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.
| Date | Document |
|---|---|
| Sep 21, 2026 | Deed of Trust, Mortgage · Conventional Mortgage PLANET HOME LENDING |
| Jul 19, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIRST GUARANTY MORTGAGE CORP |
| Oct 25, 2018 | Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 16, 2009 · Amount on File |
| Deed Sale | Oct 16, 2009 · Amount on File |
| Deed Document Number | 2009144042 |
| Deed Book / Page | 25154 / 670 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Sep 21, 2026 |
| Property Address | 13431 ERWIN RD, CHARLOTTE, NC 28273-4606 |
| Document Number | 0000101499 |
| Book / Page | 40728 / 19 |
| Instrument Date | Sep 17, 2026 |
| Instrument | 2026101499 |
| Transaction Type | Mortgage |
| Record Updated | Oct 2, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 13431 ERWIN RD, CHARLOTTE, NC 28273-4606 |
| Document Number | 0000101499, |
|---|---|
| Date | Sep 21, 2026 |
| Book Page | 40728/19 |
| Instrument | 2026101499 |
| Name | PLANET HOME LENDING |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 13431 ERWIN RD, CHARLOTTE, NC 28273-4606 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2023 |
| Title Company | SOLIDIFI TITLE AND CLOSING, SOLIDIFI TITLE & CLOSING LLC |
| Name | Verified Name |
|---|
| Document Number | 0000139149 |
|---|---|
| Date | Jul 19, 2021 |
| Book Page | 36312/693 |
| Instrument | 2021139149 |
| Name | FIRST GUARANTY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | PLANO, TX 75024 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 13431 ERWIN RD, CHARLOTTE, NC 28273-4606 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | AMERICAN TITLE INC |
| Name | Verified Name |
|---|
| Document Number | 0000134450 |
|---|---|
| Date | Oct 25, 2018 |
| Book Page | 33066/838 |
| Instrument | 2018134450 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 12, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 13431 Erwin Rd was $2,071.
Source: Mecklenburg County assessment roll, as of September 9, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mecklenburg County |
| Municipality | Charlotte City |
| Unified School District | Charlotte-Mecklenburg Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,071.00 | $263,100 Land $60,000 Building $203,100 | $263,100 Land $60,000 Building $203,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 13431 Erwin Rd 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 | 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 risk around 13431 Erwin Rd 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 558 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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