1815 Arnold Dr, Charlotte, NC 28205 Property Records

Mecklenburg County property record for 1815 Arnold Dr, Charlotte, NC 28205

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,110 sqft · built 1949
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on Record
Last Sale	$355,000 (Dec 2022)
Tax Bill	$2,918 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Oct 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`095-102-45`

Property Details

APN / Parcel Number

Primary APN	`095-102-45`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,110 sqft Living Area
1st Floor Area	1,110 sqft

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1995
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,890 sqft (0.25 acres)
Porch	Finished/Open Porch
Porch Area	24 sqft
Deck Area	240 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1815 ARNOLD DR
City	CHARLOTTE
State	NC
Zip	28205-3809
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	L21 B2 M5-17
Legal Subdivision	BRADLEY HILLS SQUARE 02
Legal Block	2
Legal Lot Number	21
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	1
Census Block	1014
Census Tract	1200

Owner

Source: Mecklenburg County records, as of August 4, 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	1815 ARNOLD DR, CHARLOTTE, NC 28205-3809
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2025	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Dec 14, 2022	Warranty Deed, Transfer · Conventional Mortgage AMERICAN SECURITY MORTGAGE CORP
Jul 31, 2017	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 14, 2022 · Amount on Record
Deed Sale	Dec 14, 2022 · Amount on Record
Prior Sale	Jul 31, 2017 · Amount on Record
Deed Document Number	2022163898
Deed Book / Page	37827 / 120
Prior Transfer Date	Oct 27, 2014
Prior Transfer Doc	0000127865
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	1815 ARNOLD DR, CHARLOTTE, NC 28205-3809
Transaction Type	Mortgage
Record Updated	Oct 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4240 WILD RIDGE DR, CHARLOTTE, NC 28215-8327

Mortgage

Document Number	0000104882
Date	Oct 14, 2025
Book Page	39928/629
Instrument	2025104882

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	1815 ARNOLD DR, CHARLOTTE, NC 28205-3809
Transaction Type	Mortgage
Record Updated	May 25, 2023
Title Company	WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000189496
Date	Oct 4, 2021
Book Page	36603/739
Instrument	2021189496

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 1, 2036

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Dec 14, 2022
Property Address	1815 ARNOLD DR, CHARLOTTE, NC 28205-3809
Document Number	0000163898
Book / Page	37827 / 120
Map Reference	MB 5 PG 17
Instrument Date	Dec 14, 2022
Instrument	2022163898
Transaction Type	Transfer
Record Updated	May 25, 2023
Title Company	NOT AVAILABLE, NH TITLE GROUP PLLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$710.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1421 IRIS DR APT 4111, 4111, CHARLOTTE, NC 28205-6161

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1815 ARNOLD DR, CHARLOTTE, NC 28205-3809

Mortgage

Document Number	0000163899
Date	Dec 14, 2022
Instrument	2022163899

Lender

Name	AMERICAN SECURITY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Jul 31, 2017
Property Address	1815 ARNOLD DR, CHARLOTTE, NC 28205-3809
Document Number	0000103162
Book / Page	32009 / 831
Map Reference	MB5 PG17
Instrument Date	Jul 31, 2017
Instrument	2017103162
Transaction Type	Transfer
Record Updated	Jun 15, 2021
Title Company	CARDINAL TITLE CENTER LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$542.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4814 WALDEN CT, 4814, CHARLOTTE, NC 28210-3232

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	00000

Mortgage

Document Number	0000103163
Date	Jul 31, 2017
Instrument	2017103163

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 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	$2,918.00	$357,800 Land $200,000 Building $157,800	$357,800 Land $200,000 Building $157,800

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 19 policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	19 in force
Nearby Flood Claims	99 (1982–2024)
Claims Outside the SFHA	19 of 99
Most Recent Claim	Jan 2024 · 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 Risk	Low lower than 94% of the US · lower than 96% of North Carolina
Wildfire Likelihood	0.03% 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 338 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	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Google Fiber.

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