Mecklenburg County property record for 1920 Winter St, Charlotte, NC 28205
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,264 sqft · built 1941 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $775,000 (Nov 2021) |
| Tax Bill | $6,088 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit Nov 2023 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 095-084-08 |
| Primary APN | 095-084-08 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,264 sqft Living Area |
| 1st Floor Area | 2,264 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1941 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Brick |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,970 sqft (0.16 acres) |
| Porch | Finished/Open Porch |
| Porch Area | 152 sqft |
| Patio Area | 200 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 1920 WINTER ST |
|---|---|
| City | CHARLOTTE |
| State | NC |
| Zip | 28205-3653 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-5 |
| Legal Description | L27 B5 M230-284 |
| Legal Subdivision | MIDWOOD |
| Legal Block | 5 |
| Legal Lot Number | 27 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 1, CHARLOTTE |
| Census Block Group | 3 |
| Census Block | 3031 |
| Census Tract | 1200 |
1920 Winter St is owned and occupied by two individuals who bought it in November 2021.
Source: Mecklenburg County records, as of August 11, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1920 WINTER ST, CHARLOTTE, NC 28205-3653 |
| 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 |
|---|---|
| Jul 27, 2026 | Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL |
| Nov 21, 2023 | Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA |
| Feb 15, 2023 | Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK OF PENNSYLVANIA |
| Nov 30, 2021 | Warranty Deed, Transfer · Conventional Mortgage AMERICAN SECURITY MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 30, 2021 · Amount on File |
| Deed Sale | Nov 30, 2021 · Amount on File |
| Prior Sale | Oct 30, 1978 |
| Deed Document Number | 2021225975 |
| Deed Book / Page | 36816 / 227 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Jul 27, 2026 |
| Property Address | 1920 WINTER ST, CHARLOTTE, NC 28205-3653 |
| Document Number | 0000079932 |
| Book / Page | 40600 / 429 |
| Instrument Date | Jul 16, 2026 |
| Instrument | 202679932 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1920 WINTER ST, CHARLOTTE, NC 28205-3653 |
| Document Number | 0000079932, |
|---|---|
| Date | Jul 27, 2026 |
| Book Page | 40600/429 |
| Instrument | 202679932 |
| Name | FIRST NATIONAL |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 264 Months |
| Due | Jul 16, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.47% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 1920 WINTER ST, CHARLOTTE, NC 28205-3653 |
| Transaction Type | Mortgage |
| Record Updated | Dec 6, 2023 |
| Title Company | ACCURATE GROUP, ACCURATE GROUP LLC |
| Name | Verified Name |
|---|---|
| Address | 1920 WINTER ST, CHARLOTTE, NC 28205-3653 |
| Document Number | 0000110153 |
|---|---|
| Date | Nov 21, 2023 |
| Book Page | 38495/847 |
| Instrument | 2023110153 |
| Name | FIRST NATIONAL BANK OF PENNSYLVANIA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28210 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Nov 10, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 1920 WINTER ST, CHARLOTTE, NC 28205-3653 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2023 |
| Title Company | NOT AVAILABLE, AEG |
| Name | Verified Name |
|---|---|
| Address | 1920 WINTER ST, CHARLOTTE, NC 28205-3653 |
| Document Number | 0000013047 |
|---|---|
| Date | Feb 15, 2023 |
| Book Page | 37935/354 |
| Instrument | 2023013047 |
| Name | FIRST NATIONAL BANK OF PENNSYLVANIA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28210 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Feb 2, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Nov 30, 2021 |
| Property Address | 1920 WINTER ST, CHARLOTTE, NC 28205-3653 |
| Document Number | 0000225975 |
| Book / Page | 36816 / 227 |
| Map Reference | MB 230 PG 284&285 |
| Instrument Date | Nov 30, 2021 |
| Instrument | 2021225975 |
| Transaction Type | Transfer |
| Record Updated | May 25, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,550.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 395 BEACON RIDGE BLVD, CHAPEL HILL, NC 27516-9812 |
| Name | Verified Name |
|---|---|
| Address | 1920 WINTER ST, CHARLOTTE, NC 28205-3653 |
| Document Number | 0000225976 |
|---|---|
| Date | Nov 30, 2021 |
| Instrument | 2021225976 |
| Name | AMERICAN SECURITY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2051 |
The 2025 property tax bill for 1920 Winter St was $6,088.
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 | $6,088.00 | $771,200 Land $350,000 Building $421,200 | $771,200 Land $350,000 Building $421,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1920 Winter St in Zone X, an area of minimal flood risk, though there have been 30 flood claims nearby since 1979.
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 |
| Flood Insurance Cost | Premium on File median of 16 policies |
| Community Rating System | Class 2 (40% premium discount) |
| Nearby Flood Policies | 16 in force |
| Nearby Flood Claims | 30 (1979–2021) |
| Claims Outside the SFHA | 6 of 30 |
| Most Recent Claim | Mar 2021 · rainfall accumulation |
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 1920 Winter St is low, with 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 98% of the US · lower than 99% of North Carolina |
|---|---|
| Wildfire Likelihood | 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 546 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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