Mecklenburg County property record for 1709 Thomas Ave, Charlotte, NC 28205
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,617 sqft · built 1929 |
| Lot Size | 0.172 acres (7,520 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $1,005,000 (Jun 2023) |
| Tax Bill | $8,183 (2023) |
| Deeds & Mortgages | Jun 2023 Sale & Mortgage Apr 2023 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 081-185-09 |
| Primary APN | 081-185-09 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,617 sqft Heated Area |
| Gross Area | 2,980 sqft |
| 1st Floor Area | 1,317 sqft |
| Upper Floors Area | 1,287 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1929 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Composition/Composite |
| Foundation Type | Raised |
| Roof Material | Asphalt |
| Lot Area | 7,520 sqft (0.172 acres) |
| Porch | Porch |
| Porch Area | 376 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Old Parcel Number | 081-185-09 |
|---|---|
| Street Address | 1709 THOMAS AVE |
| City | CHARLOTTE |
| State | NC |
| Zip | 28205-3423 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-5 (HD) |
| Legal Description | L17 B44 M3-2 |
| Legal Subdivision | OAKHURST |
| Legal Block | 44 |
| Legal Lot Number | 17 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 1, CHARLOTTE |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 1000 |
Source: Mecklenburg County records, as of June 15, 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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 1709 THOMAS AVE, CHARLOTTE, NC 28205-3423 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 1, 2023 | Warranty Deed, Transfer · Conventional Mortgage TRUIST BANK |
| Apr 10, 2023 | Deed of Trust, Mortgage · Line of Credit HOMETRUST BANK |
| Jul 12, 2019 | Warranty Deed, Transfer · ARM SUNTRUST BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 1, 2023 · Amount on Record |
| Deed Sale | Jun 1, 2023 · Amount on Record |
| Prior Sale | Jul 12, 2019 · Amount on Record |
| Deed Document Number | 2023051537 |
| Deed Book / Page | 38162 / 182 |
| Record Updated | Jun 7, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Jun 1, 2023 |
| Property Address | 1709 THOMAS AVE, CHARLOTTE, NC 28205-3423 |
| Document Number | 0000051537 |
| Book / Page | 38162 / 182 |
| Map Reference | MB 3 PG 2&3 |
| Instrument Date | May 31, 2023 |
| Instrument | 2023051537 |
| Transaction Type | Transfer |
| Record Updated | Jun 16, 2023 |
| Title Company | INVESTORS TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,010.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 304 GRANVILLE RD, CHAPEL HILL, NC 27514-2719 |
| Name | Verified Name |
|---|---|
| Address | 1709 THOMAS AVE, CHARLOTTE, NC 28205-3423 |
| Document Number | 0000051538 |
|---|---|
| Date | Jun 1, 2023 |
| Instrument | 2023051538 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 1709 THOMAS AVE, CHARLOTTE, NC 28205-3423 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000031633 |
|---|---|
| Date | Apr 10, 2023 |
| Book Page | 38044/820 |
| Instrument | 2023031633 |
| Name | HOMETRUST BANK |
|---|---|
| Type | Bank |
| Address | ASHEVILLE, NC 28802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Apr 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Jul 12, 2019 |
| Property Address | 1709 THOMAS AVE, CHARLOTTE, NC 28205-3423 |
| Document Number | 0000088183 |
| Book / Page | 33664 / 591 |
| Map Reference | MB 3 PG 2&3 |
| Instrument Date | Jun 3, 2019 |
| Instrument | 2019088183 |
| Transaction Type | Transfer |
| Record Updated | Jun 15, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,312.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1709 THOMAS AVE, CHARLOTTE, NC 28205-3423 |
| Document Number | 0000088184 |
|---|---|
| Date | Jul 12, 2019 |
| Instrument | 2019088184 |
| Name | SUNTRUST BANK |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.27% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Aug 1, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 8.27% |
| Index | 1-Year LIBOR |
| Max Rate | 8.27% |
Source: Mecklenburg County assessment roll, as of January 1, 2023
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mecklenburg County |
| Municipality | Charlotte City |
| Unified School District | Charlotte-Mecklenburg Schools (PK - 12) |
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 | 3 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 99% 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 474 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 | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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