Mecklenburg County property record for 1905 Thomas Ave, Charlotte, NC 28205
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,178 sqft · built 1925 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,129 (2025) |
| Deeds & Mortgages | Feb 2022 Line of Credit Aug 2018 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 081-193-34 |
| Primary APN | 081-193-34 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,178 sqft Living Area |
| 1st Floor Area | 1,178 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Other |
| Construction Type | Frame |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,841 sqft (0.18 acres) |
| Garage Area | 200 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 200 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 1905 THOMAS AVE |
|---|---|
| City | CHARLOTTE |
| State | NC |
| Zip | 28205-3054 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-5 (HD) |
| Legal Description | L6 B4 M3-39 |
| Legal Subdivision | JOHNSTON COURT |
| Legal Block | 4 |
| Legal Lot Number | 6 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 1, CHARLOTTE |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 1000 |
1905 Thomas Ave is owned and occupied by an individual who acquired it in July 1984.
Source: Mecklenburg County records, as of October 9, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1905 THOMAS AVE, CHARLOTTE, NC 28205-3054 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 1, 2022 | Deed of Trust, Mortgage · Line of Credit CHARLOTTE METRO FCU |
| Aug 30, 2018 | Deed of Trust, Mortgage · Line of Credit PIEDMONT ADVANTAGE CU |
| Aug 10, 2017 | Deed of Trust, Mortgage · Conventional Mortgage EMBRACE HM LOANS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 26, 1984 |
| Deed Sale | Jul 26, 1984 |
| Deed Book / Page | 4880 / 204 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 1905 THOMAS AVE, CHARLOTTE, NC 28205-3054 |
| Transaction Type | Mortgage |
| Record Updated | May 22, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000016560 |
|---|---|
| Date | Feb 1, 2022 |
| Book Page | 37021/873 |
| Instrument | 2022016560 |
| Name | CHARLOTTE METRO FCU |
|---|---|
| Type | Credit Union |
| Address | CHARLOTTE, NC 28204 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 31, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 1905 THOMAS AVE, CHARLOTTE, NC 28205-3054 |
| Document Number | 0000111091 |
| Instrument Date | Aug 30, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Oct 2, 2018 |
| Name | Verified Name |
|---|---|
| Address | 1905 THOMAS AVE CHARLOTTE NC 282053054, CHARLOTTE, NC 28205-3054 |
| Document Number | 0000111091 |
|---|---|
| Date | Aug 31, 2018 |
| Book Page | 032947/000006 |
| Instrument | 111091 |
| Name | PIEDMONT ADVANTAGE CU |
|---|---|
| Type | Credit Union |
| Address | WINSTON SALEM, NC 27103 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Aug 30, 2043 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 1905 THOMAS AVE, CHARLOTTE, NC 28205-3054 |
| Document Number | 0000110135 |
| Book / Page | 032043 / 000516 |
| Instrument Date | Aug 10, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 30, 2017 |
| Title Company | EQUITY NATIONAL TITLE LLC, EQUITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 1905 THOMAS AVE CHARLOTTE NC 282053054, CHARLOTTE, NC 28205-3054 |
| Document Number | 0000110135 |
|---|---|
| Date | Aug 15, 2017 |
| Book Page | 032043/000516 |
| Instrument | 110135 |
| Name | EMBRACE HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | MIDDLETOWN, RI 02842 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 14, 2047 |
The 2025 property tax bill for 1905 Thomas Ave was $2,129.
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 | $2,129.00 | $509,900 Land $350,000 Building $159,900 | $509,900 Land $350,000 Building $159,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1905 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 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.
Wildfire risk around 1905 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 Risk | Low lower than 99.1% of the US · lower than 99.5% of North Carolina |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures