1357 Downs Ave, Charlotte, NC 28205 Property Records

Mecklenburg County property record for 1357 Downs Ave, Charlotte, NC 28205

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,242 sqft · built 1957
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$370,000 (Aug 2023)
Tax Bill	$2,618 (2025)
Deeds & Mortgages	May 2026 Mortgage Aug 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`093-091-10`

Property Details

APN / Parcel Number

Primary APN	`093-091-10`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,242 sqft Living Area
1st Floor Area	1,242 sqft

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1975
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Raised
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,405 sqft (0.17 acres)
Patio Area	16 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	1357 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	L19 B1 M3-293
Legal Subdivision	DAVIS PARK
Legal Block	1
Legal Lot Number	19
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 June 5, 2026

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	PO BOX 5325, CHARLOTTE, NC 28299-5325
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
May 21, 2026	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LOAN SERVICING
Aug 8, 2023	Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC
Apr 29, 2019	Warranty Deed, Transfer · Conventional Mortgage AMERICAN SECURITY MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 8, 2023 · Amount on Record
Deed Sale	Aug 8, 2023 · Amount on Record
Prior Sale	Apr 29, 2019 · Amount on Record
Deed Document Number	202375371
Deed Book / Page	38298 / 996
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Recording Date	May 21, 2026
Property Address	1357 DOWNS AVE, CHARLOTTE, NC 28205-2013
Document Number	0000053417
Book / Page	40438 / 616
Instrument Date	May 18, 2026
Instrument	202653417
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1119 JENSEN ST, CHARLOTTE, NC 28205-1744

Mortgage

Document Number	0000053417,
Date	May 21, 2026
Book Page	40438/616
Instrument	202653417

Lender

Name	LAKEVIEW LOAN SERVICING

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.3%
Max Rate	-1%

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Aug 8, 2023
Property Address	1357 DOWNS AVE, CHARLOTTE, NC 28205-2013
Document Number	0000075371
Book / Page	38298 / 996
Map Reference	MB 3 PG 293
Instrument Date	Aug 8, 2023
Instrument	2023075371
Transaction Type	Transfer
Record Updated	Sep 29, 2023
Title Company	AUSTIN TITLE, AUSTIN TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$740.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5001 ADDISON DR, CHARLOTTE, NC 28211-4130

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 5325, CHARLOTTE, NC 28299-5325

Mortgage

Document Number	0000075372
Date	Aug 8, 2023
Instrument	2023075372

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Apr 29, 2019
Property Address	1357 DOWNS AVE, CHARLOTTE, NC 28205-2013
Document Number	0000050374
Book / Page	33464 / 900
Map Reference	MB 3 PG 293
Instrument Date	Apr 29, 2019
Instrument	2019050374
Transaction Type	Transfer
Record Updated	Jun 15, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$400.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4915 MONROE RD, 4915, CHARLOTTE, NC 28205-7821

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1357 DOWNS AVE # 1359, 1359, CHARLOTTE, NC 28205-2013

Mortgage

Document Number	0000050375
Date	Apr 29, 2019
Instrument	2019050375

Lender

Name	AMERICAN SECURITY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

Mortgage

Document Number	0000050376
Date	Apr 29, 2019
Book Page	33464/916
Instrument	2019050376

Lender

Name	FAIRFAX COUNTY FCU
Type	Credit Union
Address	FAIRFAX, VA 22030

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 15, 2049

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	$2,618.00 (+16.77%)	$295,900 (+27.32%) Land $230,000 Building $65,900	$295,900 (+27.32%) Land $230,000 Building $65,900
2023	$2,242.00	$232,400 Land $230,000 Building $2,400	$232,400 Land $230,000 Building $2,400

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
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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