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  5. Downs Ave

1436 Downs Ave, Charlotte, NC 28205 Property Records

Mecklenburg County property record for 1436 Downs Ave, Charlotte, NC 28205

Property Summary

Property TypeSingle Family Home
Details5 bd · 6 ba · 3,920 sqft · built 2020
Lot Size0.202 acres (8,841 sqft)
OwnerIndividual Name on Record
Last Sale$1,100,000 (Jul 2021)
Tax Bill$13,517 (2023)
Deeds & MortgagesAug 2023 Line of Credit
Jul 2021 Sale & Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN093-098-08

Property Details

APN / Parcel Number

Primary APN093-098-08

Interior

Bedrooms5 Beds
Full Baths6 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area3,920 sqft Heated Area
Gross Area954 sqft
1st Floor Area874 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2020
Architectural StyleOther
Exterior MaterialAluminum/Vinyl
Roof MaterialAsphalt
Lot Area8,841 sqft (0.202 acres)
PorchPorch
Porch Area32 sqft
Patio Area12 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air
Heating FuelGas

Location & Zoning

Old Parcel Number093-098-08
Street Address1436 DOWNS AVE
CityCHARLOTTE
StateNC
Zip28205-2016
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-5
Legal DescriptionL10 B5 M3-293
Legal SubdivisionDAVIS PARK
Legal Block5
Legal Lot Number10
JurisdictionMECKLENBURG NC
Township / Civil Division1, CHARLOTTE
Census Block Group2
Census Block2005
Census Tract1300

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 RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address1436 DOWNS AVE, CHARLOTTE, NC 28205-2016
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 9, 2023Deed of Trust, Mortgage · Line of Credit
SKYLA FCU
Jul 20, 2021Warranty Deed, Transfer · Conventional Mortgage
SOUTHERN TRUST MORTGAGE LLC
Jun 3, 2020Warranty Deed, Construction Loan
ANCHOR LNS
Dec 19, 2019Warranty Deed, Transfer · Construction Mortgage
STRAIGHTLINE FNDG LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 20, 2021 · Amount on Record
Deed SaleJul 20, 2021 · Amount on Record
Prior SaleJun 3, 2020 · Amount on Record
Deed Document Number0036314496
Deed Book / Page36314 / 496
Record UpdatedJun 7, 2026

August 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMECKLENBURG NC
Property Address1436 DOWNS AVE, CHARLOTTE, NC 28205-2016
Transaction TypeMortgage
Record UpdatedAug 21, 2023

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000075887
DateAug 9, 2023
Book Page38301/980
Instrument2023075887
Lender
NameSKYLA FCU
TypeCredit Union
AddressCHARLOTTE, NC 28204
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueAug 8, 2053
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

July 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMECKLENBURG NC
Recording DateJul 20, 2021
Property Address1436 DOWNS AVE, CHARLOTTE, NC 28205-2016
Document Number0000139591
Book / Page36314 / 496
Map ReferenceMB 3 PG 293
Instrument DateJul 15, 2021
Instrument2021139591
Transaction TypeTransfer
Record UpdatedMay 25, 2023

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,200.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address16 BILTVUE PL, PALM COAST, FL 32137-9341

Transferred To (Grantee/Buyer)

NameVerified Name
Address1436 DOWNS AVE, CHARLOTTE, NC 28205-2016

Mortgage

Document Number0000139592
DateJul 20, 2021
Instrument2021139592
Lender
NameSOUTHERN TRUST MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueAug 1, 2051
Interest
Rate TypeAdjustable Rate
Rate2.87%
Type Change DateAug 1, 2031
Change Frequency6 Months
Min Rate At Change2.87%
Max Rate At Change7.87%
IndexOther
Max Rate7.87%

June 2020: Warranty Deed, Construction Loan

Document TypeWarranty Deed
JurisdictionMECKLENBURG NC
Recording DateJun 3, 2020
Property Address1436 DOWNS AVE, CHARLOTTE, NC 28205-2016
Document Number0000080619
Book / Page034648 / 000754
Instrument DateMar 20, 2020
Instrument80619
Transaction TypeConstruction Loan
Record UpdatedJun 26, 2020
Title CompanyMOREHEAD TITLE

Transaction

AmountAmount Recorded
Tax$450.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address914 BENMORE CIR WAXHAW NC 281739863, WAXHAW, NC 28173-9863

Mortgage

Document Number80620
DateJun 3, 2020
Book Page034648/000756
Instrument80620
Lender
NameANCHOR LNS
TypeFunding / Finance Company
AddressCALABASAS, CA 91302
Agreement
AmountAmount Recorded

December 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMECKLENBURG NC
Recording DateDec 19, 2019
Property Address1436 DOWNS AVE, CHARLOTTE, NC 28205-2016
Document Number0000174345
Book / Page034142 / 000995
Instrument DateDec 19, 2019
Instrument174345
Transaction TypeTransfer
Record UpdatedJan 14, 2020
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$310.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
AddressPO BOX 5423 CHARLOTTE NC 282995423, CHARLOTTE, NC 28299-5423

Mortgage

Document Number174346
DateDec 19, 2019
Book Page034143/000001
Instrument174346
Lender
NameSTRAIGHTLINE FNDG LLC
AddressCHARLOTTE, NC 28277
Agreement
TypeConstruction Mortgage
AmountAmount Recorded
Term24 Months
DueDec 18, 2021

Tax Assessment & Valuation

Source: Mecklenburg County assessment roll, as of January 1, 2023

Property Jurisdictions

TypeName
StateNorth Carolina
CountyMecklenburg County
MunicipalityCharlotte City
Unified School DistrictCharlotte-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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 2 (40% premium discount)
Nearby Flood Policies2 in force
Nearby Flood Claims2 (2011–2021)
Claims Outside the SFHA2 of 2
Most Recent ClaimAug 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 RiskLow
lower than 99.8% of the US · lower than 99.9% of North Carolina
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemCHARLOTTE WATER
serves 1,206,285 people · EPA ID NC0160010
Water SourceSurface water
Last State InspectionJul 2025
LeadUnder 1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 453 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber		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

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