Mecklenburg County property record for 1950 Sterling Rd, Charlotte, NC 28209
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4.5 ba · 4,189 sqft · built 1939 |
| Lot Size | 0.47 acres (20,473 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $3,355,000 (Apr 2026) |
| Tax Bill | $17,042 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage Apr 2026 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 151-142-30 |
| Primary APN | 151-142-30 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 4,189 sqft Living Area |
| 1st Floor Area | 2,785 sqft |
| Upper Floors Area | 1,290 sqft |
| Basement Area | 700 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1939 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 20,473 sqft (0.47 acres) |
| Garage Area | 400 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 47 sqft |
| Patio Area | 497 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 1950 STERLING RD |
|---|---|
| City | CHARLOTTE |
| State | NC |
| Zip | 28209-1610 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-4 |
| Legal Description | L5 B62 M3-579 |
| Legal Subdivision | MYERS PARK MAP |
| Legal Block | 62 |
| Legal Lot Number | 5 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 1, CHARLOTTE |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 2702 |
Source: Mecklenburg County records, as of August 21, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1950 STERLING RD, CHARLOTTE, NC 28209-1610 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 4, 2021 | Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK |
| Apr 24, 2026 | Warranty Deed, Transfer · Conventional Mortgage ATLANTIC COAST MORTGAGE GROUP INC |
| Nov 2, 2017 | Deed of Trust, Mortgage · Commercial Mortgage FIRST CITIZENS BANK |
| Apr 29, 2020 | Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK |
| Aug 1, 2019 | Warranty Deed, Transfer · ARM SUNTRUST BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 24, 2026 · Amount on Record |
| Deed Sale | Apr 24, 2026 · Amount on Record |
| Prior Sale | Aug 1, 2019 · Amount on Record |
| Deed Document Number | 202642170 |
| Deed Book / Page | 40369 / 303 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 1950 STERLING RD, CHARLOTTE, NC 28209-1610 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2026 |
| Title Company | SERVICELINK EAST ESCROW |
| Name | Verified Name |
|---|
| Document Number | 0000110685 |
|---|---|
| Date | Jun 4, 2021 |
| Book Page | 36148/583 |
| Instrument | 2021110685 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | RICHMOND, VA 23224 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Apr 24, 2026 |
| Property Address | 1950 STERLING RD, CHARLOTTE, NC 28209-1610 |
| Document Number | 0000042170 |
| Book / Page | 40369 / 303 |
| Instrument Date | Feb 17, 2026 |
| Instrument | 2026.42170 |
| Transaction Type | Transfer |
| Record Updated | May 13, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $677,710.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1950 STERLING RD, CHARLOTTE, NC 28209-1610 |
| Document Number | 0000042171, |
|---|---|
| Date | Apr 24, 2026 |
| Book Page | 40369/305 |
| Instrument | 2026.42171 |
| Name | ATLANTIC COAST MORTGAGE GROUP INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.11% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Number | 0000044040, |
|---|---|
| Date | Apr 29, 2026 |
| Book Page | 40381/1 |
| Instrument | 2026.44040 |
| Name | SOUTH STATE BANK |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 10 Months |
| Due | Apr 22, 2036 |
| Rate | 6.22% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 1950 STERLING RD, CHARLOTTE, NC 28209-1610 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000149306 |
|---|---|
| Date | Nov 2, 2017 |
| Book Page | 32247/640 |
| Instrument | 2017149306 |
| Name | FIRST CITIZENS BANK |
|---|---|
| Type | Bank |
| Address | RALEIGH, NC 27611 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 1950 STERLING RD, CHARLOTTE, NC 28209-1610 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000060419 |
|---|---|
| Date | Apr 29, 2020 |
| Book Page | 34522/603 |
| Instrument | 2020060419 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | RICHMOND, VA 23224 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Aug 1, 2019 |
| Property Address | 1950 STERLING RD, CHARLOTTE, NC 28209-1610 |
| Document Number | 0000099069 |
| Book / Page | 33725 / 177 |
| Map Reference | MB 3 PG 579 |
| Instrument Date | Aug 1, 2019 |
| Instrument | 2019099069 |
| Transaction Type | Transfer |
| Record Updated | Jun 15, 2021 |
| Title Company | CHICAGO TITLE INSURANCE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,450.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 161 HUNTLEY PL, 161, CHARLOTTE, NC 28207-2213 |
| Name | Verified Name |
|---|
| Document Number | 0000099070 |
|---|---|
| Date | Aug 1, 2019 |
| Instrument | 2019099070 |
| Name | SUNTRUST BANK |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.4% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Sep 1, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 8.4% |
| Index | 1-Year LIBOR |
| Max Rate | 8.4% |
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 | $17,042.00 (+3.17%) | $2,199,780 Land $1,072,500 Building $1,127,280 | $2,199,780 Land $1,072,500 Building $1,127,280 |
| 2024 | $16,518.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record median of 77 policies |
| Community Rating System | Class 2 (40% premium discount) |
| Nearby Flood Policies | 77 in force |
| Nearby Flood Claims | 104 (1979–2025) |
| Claims Outside the SFHA | 13 of 104 |
| Most Recent Claim | Jun 2025 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 97.4% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.02% 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 276 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 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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