1912 Umstead St, Charlotte, NC 28205 Property Records

Mecklenburg County property record for 1912 Umstead St, Charlotte, NC 28205

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 980 sqft · built 1957
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on Record
Last Sale	$56,000 (Feb 2010)
Tax Bill	$3,544 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Sep 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`083-131-06`

Property Details

APN / Parcel Number

Primary APN	`083-131-06`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	980 sqft Living Area
1st Floor Area	980 sqft

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1980
Exterior Material	Brick
Construction Type	Frame
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,841 sqft (0.18 acres)
Porch	Finished/Open Porch
Porch Area	32 sqft
Patio Area	16 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	1912 UMSTEAD ST
City	CHARLOTTE
State	NC
Zip	28205-2369
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-5
Legal Description	L16 B14 M146-59
Legal Subdivision	VILLA HEIGHTS
Legal Block	14
Legal Lot Number	16
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	2
Census Block	2017
Census Tract	900

Owner

Source: Mecklenburg County records, as of August 27, 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	7803 ORCHARD WOODS CIR, SACRAMENTO, CA 95828-6206
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Sep 19, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 12, 2010 · Amount on Record
Deed Sale	Feb 12, 2010 · Amount on Record
Prior Sale	Nov 6, 2009 · Amount on Record
Deed Document Number	201016074
Deed Book / Page	25414 / 1
Last Transfer Date	Nov 9, 2012
Transfer Doc	0000159915
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Recording Date	Aug 12, 2026
Property Address	1912 UMSTEAD ST, CHARLOTTE, NC 28205-2369
Document Number	0000086968
Book / Page	40643 / 223
Instrument Date	Aug 11, 2026
Instrument	202686968
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1912 UMSTEAD ST, CHARLOTTE, NC 28205-2369

Mortgage

Document Number	0000086968,
Date	Aug 12, 2026
Book Page	40643/223
Instrument	202686968

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	1912 UMSTEAD ST, CHARLOTTE, NC 28205-2369
Document Number	0000128068
Book / Page	032135 / 000931
Instrument Date	Sep 19, 2017
Transaction Type	Mortgage
Record Updated	Sep 28, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1912 UMSTEAD ST CHARLOTTE NC 282052369, CHARLOTTE, NC 28205-2369

Mortgage

Document Number	0000128068
Date	Sep 21, 2017
Book Page	032135/000931
Instrument	128068

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 20, 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	$3,544.00	$439,500 Land $380,000 Building $59,500	$439,500 Land $380,000 Building $59,500

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (1979)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 1979 · tidal / storm surge

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 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.

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 413 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Google Fiber.

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