14520 Harmonious St, Charlotte, NC 28278 Property Records

Mecklenburg County property record for 14520 Harmonious St, Charlotte, NC 28278

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,510 sqft · built 2013
Lot Size	0.185 acres (8,059 sqft)
Owner	2 Individual Names on Record
Last Sale	$485,000 (Jul 2022)
Tax Bill	$3,530 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Aug 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`219-124-29`

Property Details

APN / Parcel Number

Primary APN	`219-124-29`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,510 sqft Living Area
Gross Area	3,074 sqft
1st Floor Area	1,539 sqft
Upper Floors Area	971 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Material	Asphalt
Lot Area	8,059 sqft (0.185 acres)
Garage Type	Attached
Garage Area	564 sqft
Porch	Finished/Open Porch
Porch Area	204 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	14520 HARMONIOUS ST
City	CHARLOTTE
State	NC
Zip	28278-8179
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	L59 M52-577
Legal Subdivision	ENCLAVE PH 01
Legal Block	4
Legal Lot Number	59
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	1
Census Block	1007
Census Tract	5925

Owner

Source: Mecklenburg County records, as of September 29, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	14520 HARMONIOUS ST, CHARLOTTE, NC 28278-8179
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2022	Warranty Deed, Transfer · Conventional Mortgage AMERICAN SECURITY MORTGAGE CORP
Aug 13, 2019	Deed of Trust, Mortgage · FHA Mortgage JFQ LENDING INC
Feb 6, 2020	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Mar 3, 2017	Warranty Deed, Transfer · FHA Mortgage AMERICAN SECURITY MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 15, 2022 · Amount on Record
Deed Sale	Jul 15, 2022 · Amount on Record
Prior Sale	Feb 6, 2020 · Amount on Record
Deed Document Number	2022104661
Deed Book / Page	37505 / 440
Record Updated	Oct 29, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Jul 15, 2022
Property Address	14520 HARMONIOUS ST, CHARLOTTE, NC 28278-8179
Document Number	0000104661
Book / Page	37505 / 440
Map Reference	MB 52 PG 577
Instrument Date	Jul 15, 2022
Instrument	2022104661
Transaction Type	Transfer
Record Updated	May 25, 2023
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$970.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1401 MARTIN LUTHER KING JR WAY, SEATTLE, WA 98122-3127

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14520 HARMONIOUS ST, CHARLOTTE, NC 28278-8179

Mortgage

Document Number	0000104662
Date	Jul 15, 2022
Instrument	2022104662

Lender

Name	AMERICAN SECURITY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	14520 HARMONIOUS ST, CHARLOTTE, NC 28278-8179
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000104625
Date	Aug 13, 2019
Book Page	33753/957
Instrument	2019104625

Lender

Name	JFQ LENDING INC
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85254

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	325 Months
Due	Sep 1, 2046

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Feb 6, 2020
Property Address	14520 HARMONIOUS ST, CHARLOTTE, NC 28278-8179
Document Number	0000017501
Book / Page	34264 / 070
Map Reference	MB 52 PG 577
Instrument Date	Feb 6, 2020
Instrument	2020017501
Transaction Type	Transfer
Record Updated	Jun 15, 2021
Title Company	BARRISTERS TTL SVCS OF CAROL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$630.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1562 MILL SPRING DR # DRG06, 1562, FORT MILL, SC 29715-4543

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14520 HARMONIOUS ST, CHARLOTTE, NC 28278-8179

Mortgage

Document Number	0000017502
Date	Feb 6, 2020
Instrument	2020017502

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Mar 3, 2017
Property Address	14520 HARMONIOUS ST, CHARLOTTE, NC 28278-8179
Document Number	0000027815
Book / Page	31610 / 964
Map Reference	MAP3 MB52 PG577
Instrument Date	Feb 17, 2017
Instrument	2017027815
Transaction Type	Transfer
Record Updated	Jun 15, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$564.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4810 ASHLEY PARK LN APT 1424, 4810, CHARLOTTE, NC 28210-4182

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14520 HARMONIOUS ST, CHARLOTTE, NC 28278-8179

Mortgage

Document Number	0000027816
Date	Mar 3, 2017
Instrument	2017027816

Lender

Name	AMERICAN SECURITY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2047

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	$3,530.00	$437,600 Land $95,000 Building $342,600	$437,600 Land $95,000 Building $342,600

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	4 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

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

Wildfire Risk	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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 219 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Comporium.

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