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1900 Thomas Ave, Charlotte, NC 28205 Property Records

Mecklenburg County property record for 1900 Thomas Ave, Charlotte, NC 28205

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 1,577 sqft · built 1925
Lot Size0.21 acres (9,148 sqft)
Owner2 Individual Names on File
Last Sale$203,000 (Mar 2001)
Tax Bill$4,577 (2025)
Deeds & MortgagesJul 2026 Line of Credit
Jun 2020 Line of Credit
+ 2 more
Flood ZoneZone X (minimal risk)
APN081-197-01

Property Details

APN / Parcel Number

Primary APN081-197-01

Interior

Bedrooms2 Beds
Full Baths1 Bath
Stories1 Story
Building Area1,577 sqft Living Area
1st Floor Area1,577 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1925
Effective Year BuiltEffective 1990
Exterior MaterialWood Sheathing
Construction TypeFrame
Foundation TypeRaised
Roof TypeHip
Roof MaterialOther
Lot Area9,148 sqft (0.21 acres)
PorchFinished/Open Porch
Porch Area404 sqft
Patio Area925 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Street Address1900 THOMAS AVE
CityCHARLOTTE
StateNC
Zip28205-3055
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-5 (HD)
Legal DescriptionL26 B7 M332-8 &9
Legal SubdivisionCHATHAM ESTATES MAP
Legal Block7
Legal Lot Number26
JurisdictionMECKLENBURG NC
Township / Civil Division1, CHARLOTTE
Census Block Group3
Census Block3001
Census Tract1000

Owner

1900 Thomas Ave is owned and occupied by two individuals who acquired it in March 2019.

Source: Mecklenburg County records, as of October 19, 2026

Owner of Record2 Individual Names on File
Mailing Address1900 THOMAS AVE, CHARLOTTE, NC 28205-3055
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Jul 1, 2026Deed of Trust, Mortgage · Line of Credit
STATE EMPLOYEES CREDIT UNION
Jun 16, 2020Deed of Trust, Mortgage · Line of Credit
BANK OF AMERICA
Mar 14, 2019Quit Claim Deed, Transfer
ATTORNEY ONLY
Feb 2, 2017Deed of Trust, Mortgage · Conventional Mortgage
BANK OF AMERICA

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 1, 2001 · Amount on File
Deed SaleMar 1, 2001 · Amount on File
Prior SaleMay 30, 2000 · Amount on File
Deed Document Number20017
Deed Book / Page11977 / 680
Last Transfer DateMar 13, 2019
Transfer Doc0000028871
Record UpdatedOct 29, 2026

July 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMECKLENBURG NC
Recording DateJul 1, 2026
Property Address1900 THOMAS AVE, CHARLOTTE, NC 28205-3055
Document Number0000070568
Book / Page40546 / 580
Instrument DateJun 29, 2026
Instrument202670568
Transaction TypeMortgage
Record UpdatedJul 16, 2026
Title CompanyLENDER RECORDING SERVICES

Transferred To (Grantee/Buyer)

NameVerified Name
Address1900 THOMAS AVE, CHARLOTTE, NC 28205-3055

Mortgage

Document Number0000070568,
DateJul 1, 2026
Book Page40546/580
Instrument202670568
Lender
NameSTATE EMPLOYEES CREDIT UNION
Agreement
TypeLine of Credit
AmountAmount on Record
Interest
Rate6.53%
Max Rate-1%

June 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMECKLENBURG NC
Property Address1900 THOMAS AVE, CHARLOTTE, NC 28205-3055
Document Number0000094058
Instrument DateJun 16, 2020
Transaction TypeMortgage
Record UpdatedJul 16, 2020
Title CompanyTITLE365 - OMAHA

Transferred To (Grantee/Buyer)

NameVerified Name
Address1900 THOMAS AVE CHARLOTTE NC 282053055, CHARLOTTE, NC 28205-3055

Mortgage

Document Number0000094058
DateJun 25, 2020
Book Page034727/000849
Instrument94058
Lender
NameBANK OF AMERICA
TypeBank
AddressCHARLOTTE, NC 28255
Agreement
TypeLine of Credit
AmountAmount on Record
Term360 Months
DueJun 24, 2050
Interest
Rate TypeAdjustable Rate

March 2019: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionMECKLENBURG NC
Recording DateMar 14, 2019
Property Address1900 THOMAS AVE, CHARLOTTE, NC 28205-3055
Document Number0000028871
Book / Page033351 / 000238
Instrument DateMar 13, 2019
Instrument28871
Transaction TypeTransfer
Record UpdatedMar 28, 2019
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address1900 THOMAS AVE CHARLOTTE NC 282053055, CHARLOTTE, NC 28205-3055

February 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMECKLENBURG NC
Property Address1900 THOMAS AVE, CHARLOTTE, NC 28205-3055
Document Number0000016774
Instrument DateFeb 2, 2017
Transaction TypeMortgage
Record UpdatedAug 16, 2018
Title CompanySTEWART TITLE, STEWART TITLE GUARANTY COMPANY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address1900 THOMAS AVE CHARLOTTE NC 282053055, CHARLOTTE, NC 28205-3055

Mortgage

Document Number0000016774
DateFeb 8, 2017
Book Page031553/000571
Instrument16774
Lender
NameBANK OF AMERICA
TypeBank
AddressCHARLOTTE, NC 28255
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term180 Months
DueFeb 7, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 1900 Thomas Ave was $4,577.

Source: Mecklenburg County assessment roll, as of September 9, 2025

Property Jurisdictions

TypeName
StateNorth Carolina
CountyMecklenburg County
MunicipalityCharlotte City
Unified School DistrictCharlotte-Mecklenburg Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,577.00$574,100 Land $350,000 Building $224,100$574,100 Land $350,000 Building $224,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1900 Thomas Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 3, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 2 (40% premium discount)
Nearby Flood Policies3 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

Wildfire risk around 1900 Thomas Ave is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire RiskLow
lower than 99.1% of the US · lower than 99.5% of North Carolina
Wildfire LikelihoodUnder 0.01% annual chance
ExposureDirect
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 SystemCHARLOTTE WATER
serves 1,206,285 people · EPA ID NC0160010
Water SourceSurface water
Last State InspectionJul 2025
LeadUnder 1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 474 locations within half a mile, as of December 31, 2025

ProviderMax 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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