1609 Onslow Dr, Charlotte, NC 28205 Property Records

Mecklenburg County property record for 1609 Onslow Dr, Charlotte, NC 28205

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,557 sqft · built 2017
Lot Size	0.125 acres (5,457 sqft)
Owner	Individual Name on Record
Last Sale	$850,000 (Dec 2017)
Tax Bill	$11,122 (2023)
Deeds & Mortgages	Feb 2021 Line of Credit Jun 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`095-074-55`

Property Details

APN / Parcel Number

Primary APN	`095-074-55`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,557 sqft Heated Area
Gross Area	1,073 sqft
1st Floor Area	989 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	5,457 sqft (0.125 acres)
Garage Area	187 sqft
Porch	Porch
Porch Area	84 sqft
Deck Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	095-074-55
Street Address	1609 ONSLOW DR
City	CHARLOTTE
State	NC
Zip	28205-3567
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-5
Legal Description	L3 B10 M230-147
Legal Subdivision	FRST HILLS
Legal Block	10
Legal Lot Number	3
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	2
Census Block	2003
Census Tract	1000

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 Record	Individual Name on Record
Mailing Address	1609 ONSLOW DR, CHARLOTTE, NC 28205-3567
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 11, 2021	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Jun 27, 2022	Deed of Trust, Mortgage · Line of Credit SOUTH STATE BANK NA
Jan 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage MCLEAN MORTGAGE CORP
Dec 1, 2017	Warranty Deed, Transfer · ARM WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 1, 2017 · Amount on Record
Deed Sale	Dec 1, 2017 · Amount on Record
Prior Sale	Oct 7, 2016 · Amount on Record
Deed Document Number	0032312504
Deed Book / Page	32312 / 504
Record Updated	Jun 7, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	1609 ONSLOW DR, CHARLOTTE, NC 28205-3567
Transaction Type	Mortgage
Record Updated	May 22, 2026
Title Company	STEWART TITLE GURANTY, STEWART TITLE GUARANTY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1609 ONSLOW DR, CHARLOTTE, NC 28205-3567
Investor	Possibly a Property Investor

Mortgage

Document Number	0000027234
Date	Feb 11, 2021
Book Page	35664/427
Instrument	2021027234

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	1609 ONSLOW DR, CHARLOTTE, NC 28205-3567
Transaction Type	Mortgage
Record Updated	May 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1609 ONSLOW DR, CHARLOTTE, NC 28205-3567
Investor	Possibly a Property Investor

Mortgage

Document Number	0000095188
Date	Jun 27, 2022
Book Page	37454/671
Instrument	2022095188

Lender

Name	SOUTH STATE BANK NA
Type	Bank
Address	29243

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Jun 30, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	1609 ONSLOW DR, CHARLOTTE, NC 28205-3567
Transaction Type	Mortgage
Record Updated	Aug 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000015966
Date	Jan 27, 2021
Book Page	35598/250
Instrument	2021015966

Lender

Name	MCLEAN MORTGAGE CORP
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Dec 1, 2017
Property Address	1609 ONSLOW DR, CHARLOTTE, NC 28205-3567
Document Number	0000161895
Book / Page	32312 / 504
Map Reference	MB230 PG147
Instrument Date	Nov 30, 2017
Instrument	2017161895
Transaction Type	Transfer
Record Updated	Aug 23, 2022
Title Company	MOREHEAD TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,700.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8511 DAVIS LAKE PKWY, 8511, CHARLOTTE, NC 28269-0536

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1609 ONSLOW DR, CHARLOTTE, NC 28205-3567

Mortgage

Document Number	0000161896
Date	Dec 1, 2017
Instrument	2017161896

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Dec 1, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.25%
Index	1-Year LIBOR
Max Rate	8.25%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	North Carolina
County	Mecklenburg County
Municipality	Charlotte City
Unified School District	Charlotte-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 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	3 (2003–2021)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Aug 2021 · rainfall accumulation

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 97% of the US · lower than 98.5% of North Carolina
Wildfire Likelihood	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 471 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless 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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