Mecklenburg County property record for 2004 Winter St, Charlotte, NC 28205
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,877 sqft · built 1938 |
| Lot Size | 0.171 acres (7,485 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $5,260 (2023) |
| Deeds & Mortgages | Jul 2022 Line of Credit Jul 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 095-084-05 |
| Primary APN | 095-084-05 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,877 sqft Heated Area |
| Gross Area | 2,001 sqft |
| 1st Floor Area | 1,613 sqft |
| Attic Area | 264 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1938 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Roof Material | Asphalt |
| Lot Area | 7,485 sqft (0.171 acres) |
| Garage Area | 324 sqft |
| Porch | Porch |
| Porch Area | 124 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Old Parcel Number | 095-084-05 |
|---|---|
| Street Address | 2004 WINTER ST |
| City | CHARLOTTE |
| State | NC |
| Zip | 28205-3655 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-5 |
| Legal Description | L24 B6 M230-284 |
| Legal Block | 6 |
| Legal Lot Number | 24 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 1, CHARLOTTE |
| Census Block Group | 3 |
| Census Block | 3031 |
| Census Tract | 1200 |
Source: Mecklenburg County records, as of May 24, 2023
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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 2004 WINTER ST, CHARLOTTE, NC 28205-3655 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 7, 2022 | Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO |
| Jul 7, 2022 | Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 23, 1992 |
| Deed Sale | Oct 23, 1992 |
| Deed Document Number | 0007066856 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 2004 WINTER ST, CHARLOTTE, NC 28205-3655 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2023 |
| Title Company | STEWART TITLE GURANTY, STEWART TITLE GUARANTY |
| Name | Verified Name |
|---|---|
| Address | 2004 WINTER ST, CHARLOTTE, NC 28205-3655 |
| Document Number | 0000100485 |
|---|---|
| Date | Jul 7, 2022 |
| Book Page | 37484/839 |
| Instrument | 2022100485 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 2004 WINTER ST, CHARLOTTE, NC 28205-3655 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2023 |
| Title Company | STEWART TITLE, STEWART TTL GUARANTY NON CA |
| Name | Verified Name |
|---|---|
| Address | 2004 WINTER ST, CHARLOTTE, NC 28205-3655 |
| Document Number | 0000100484 |
|---|---|
| Date | Jul 7, 2022 |
| Book Page | 37484/822 |
| Instrument | 2022100484 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Mecklenburg County assessment roll, as of January 1, 2023
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mecklenburg County |
| Municipality | Charlotte City |
| Unified School District | Charlotte-Mecklenburg Schools (PK - 12) |
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 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.
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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