Mecklenburg County property record for 1505 Downs Ave, Charlotte, NC 28205
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,747 sqft · built 2020 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $885,000 (Apr 2023) |
| Tax Bill | $7,631 (2024) |
| Deeds & Mortgages | Oct 2025 Mortgage Apr 2023 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 093-101-02 |
| Primary APN | 093-101-02 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,747 sqft Living Area |
| Gross Area | 3,214 sqft |
| 1st Floor Area | 1,205 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Concrete |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 7,405 sqft (0.17 acres) |
| Garage Type | Attached |
| Garage Area | 467 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 16 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 1505 DOWNS AVE |
|---|---|
| City | CHARLOTTE |
| State | NC |
| Zip | 28205-2017 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-5 |
| Legal Description | L10 B3 M3-293 |
| Legal Subdivision | DAVIS PARK |
| Legal Block | 3 |
| Legal Lot Number | 10 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 1, CHARLOTTE |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 1300 |
Source: Mecklenburg County records, as of April 2, 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 | 1505 DOWNS AVE, CHARLOTTE, NC 28205-2017 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Oct 31, 2025 | Deed of Trust, Mortgage · Conventional Mortgage FEDCHOICE FCU |
| Apr 18, 2023 | Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Apr 1, 2021 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage TRUIST BANK |
| Aug 11, 2020 | Warranty Deed, Construction Loan · Construction Mortgage BANK OF THE OZARKS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 18, 2023 · Amount on Record |
| Deed Sale | Apr 18, 2023 · Amount on Record |
| Prior Sale | Apr 1, 2021 · Amount on Record |
| Deed Document Number | 202334693 |
| Deed Book / Page | 38062 / 55 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 1505 DOWNS AVE, CHARLOTTE, NC 28205-2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 13, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1505 DOWNS AVE, CHARLOTTE, NC 28205-2017 |
| Document Number | 0000112082 |
|---|---|
| Date | Oct 31, 2025 |
| Book Page | 39973/797 |
| Instrument | 2025112082 |
| Name | FEDCHOICE FCU |
|---|---|
| Type | Credit Union |
| Address | FAIRFAX, VA 22030 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.87% |
| Type Change Date | Nov 1, 2040 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 8.87% |
| Index | 1-Year CMT |
| Max Rate | 8.87% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Apr 18, 2023 |
| Property Address | 1505 DOWNS AVE, CHARLOTTE, NC 28205-2017 |
| Document Number | 0000034693 |
| Book / Page | 38062 / 55 |
| Map Reference | MB 3 PG 293 |
| Instrument Date | Apr 14, 2023 |
| Instrument | 2023034693 |
| Transaction Type | Transfer |
| Record Updated | May 25, 2023 |
| Title Company | KEY TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,770.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1025 EASTWOOD DR, SPARTANBURG, SC 29307-1754 |
| Name | Verified Name |
|---|---|
| Address | 1505 DOWNS AVE, CHARLOTTE, NC 28205-2017 |
| Document Number | 0000034694 |
|---|---|
| Date | Apr 18, 2023 |
| Instrument | 2023034694 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Apr 1, 2021 |
| Property Address | 1505 DOWNS AVE, CHARLOTTE, NC 28205-2017 |
| Document Number | 0000064521 |
| Book / Page | 35887 / 721 |
| Map Reference | MB 3 PG 293 |
| Instrument Date | Mar 31, 2021 |
| Instrument | 2021064521 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | May 25, 2023 |
| Title Company | AUSTIN TITLE, AUSTIN TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,358.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2301 W MOREHEAD ST, CHARLOTTE, NC 28208-5271 |
| Name | Verified Name |
|---|---|
| Address | 1505 DOWNS AVE, CHARLOTTE, NC 28205-2017 |
| Document Number | 0000064522 |
|---|---|
| Date | Apr 1, 2021 |
| Instrument | 2021064522 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Aug 11, 2020 |
| Property Address | 1505 DOWNS AVE, CHARLOTTE, NC 28205-2017 |
| Document Number | 0000124883 |
| Book / Page | 34914 / 456 |
| Map Reference | MB 3 PG 293 |
| Instrument Date | Aug 4, 2020 |
| Instrument | 2020124883 |
| Transaction Type | Construction Loan |
| Record Updated | Aug 23, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $365.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6918 MADDOX CT, 6918, CHARLOTTE, NC 28269-1772 |
| Name | Verified Name |
|---|---|
| Address | 2301 W MOREHEAD ST STE A, A, CHARLOTTE, NC 28208-5272 |
| Document Number | 0000124884 |
|---|---|
| Date | Aug 11, 2020 |
| Instrument | 2020124884 |
| Name | BANK OF THE OZARKS |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $987,600 Land $230,000 Building $757,600 | $987,600 Land $230,000 Building $757,600 | |
| 2024 | $7,631.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 453 locations within half a mile, as of December 31, 2025
| Provider | Max 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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