Mecklenburg County property record for 2103 Willow Manor Rd, Charlotte, NC 28209
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 6 ba · 4,452 sqft · built 2015 |
| Lot Size | 0.338 acres (14,758 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $1,220,000 (May 2017) |
| Tax Bill | $16,567 (2023) |
| Deeds & Mortgages | Oct 2023 Line of Credit Nov 2025 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 151-112-37 |
| Primary APN | 151-112-37 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 6 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 4,452 sqft Heated Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2015 |
|---|---|
| Exterior Material | Wood Shingle |
| Foundation Type | Raised |
| Lot Area | 14,758 sqft (0.338 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Old Parcel Number | 151-112-37 |
|---|---|
| Street Address | 2103 WILLOW MANOR RD |
| City | CHARLOTTE |
| State | NC |
| Zip | 28209-1557 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-4 |
| Legal Description | L1 M51-500 |
| Legal Subdivision | WILLOW MANOR |
| Legal Lot Number | 1 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 1, CHARLOTTE |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 3204 |
Source: Mecklenburg County records, as of May 24, 2023
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 2103 WILLOW MANOR RD, CHARLOTTE, NC 28209-1557 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 27, 2023 | Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO |
| Nov 26, 2025 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN SECURITY MORTGAGE CORP |
| Aug 9, 2019 | Deed of Trust, Mortgage FIRST CITIZENS BK & TR CO |
| Aug 9, 2019 | Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BK & TR CO |
| May 8, 2017 | Warranty Deed, Transfer · ARM HOMESIDE FINANCIAL LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 8, 2017 · Amount on Record |
| Deed Sale | May 8, 2017 · Amount on Record |
| Deed Document Number | 0031783498 |
| Deed Book / Page | 31783 / 498 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 2103 WILLOW MANOR RD, CHARLOTTE, NC 28209-1557 |
| Transaction Type | Mortgage |
| Record Updated | May 22, 2026 |
| Title Company | STEWART TITLE, STEWART TTL GUARANTY NON CA |
| Name | Verified Name |
|---|---|
| Address | 2103 WILLOW MANOR RD, CHARLOTTE, NC 28209-1557 |
| Investor | Possibly a Property Investor |
| Document Number | 0000102181 |
|---|---|
| Date | Oct 27, 2023 |
| Book Page | 38450/585 |
| Instrument | 2023102181 |
| 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 | 2103 WILLOW MANOR RD, CHARLOTTE, NC 28209-1557 |
| Transaction Type | Mortgage |
| Record Updated | May 22, 2026 |
| Name | Verified Name |
|---|---|
| Address | 2103 WILLOW MANOR RD, CHARLOTTE, NC 28209-1557 |
| Investor | Possibly a Property Investor |
| Document Number | 0000121786 |
|---|---|
| Date | Nov 26, 2025 |
| Book Page | 40032/940 |
| Instrument | 2025121786 |
| Name | AMERICAN SECURITY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28207 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.62% |
| Type Change Date | Dec 1, 2032 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 10.6% |
| Index | SOFR Average 30-Day |
| Max Rate | 10.6% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 2103 WILLOW MANOR RD, CHARLOTTE, NC 28209-1557 |
| Document Number | 0000110105 |
| Instrument Date | Aug 9, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 17, 2019 |
| Title Company | STEWART TITLE, STEWART TITLE GUARANTY CO |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2103 WILLOW MANOR RD CHARLOTTE NC 282091557, CHARLOTTE, NC 28209-1557 |
| Document Number | 0000110105 |
|---|---|
| Date | Aug 23, 2019 |
| Book Page | 033783/000910 |
| Instrument | 110105 |
| Name | FIRST CITIZENS BK & TR CO |
|---|---|
| Address | PO BOX 26592, RALEIGH, NC 27611-6592 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Aug 22, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.37% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 2103 WILLOW MANOR RD, CHARLOTTE, NC 28209-1557 |
| Document Number | 0000110106 |
| Instrument Date | Aug 9, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 17, 2019 |
| Title Company | STEWART TITLE, STEWART TITLE GUARANTY CO |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2103 WILLOW MANOR RD CHARLOTTE NC 282091557, CHARLOTTE, NC 28209-1557 |
| Document Number | 0000110106 |
|---|---|
| Date | Aug 23, 2019 |
| Book Page | 033783/000931 |
| Instrument | 110106 |
| Name | FIRST CITIZENS BK & TR CO |
|---|---|
| Address | RALEIGH, NC 27611-6592 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | May 8, 2017 |
| Property Address | 2103 WILLOW MANOR RD, CHARLOTTE, NC 28209-1557 |
| Document Number | 0000060144 |
| Book / Page | 31783 / 498 |
| Map Reference | MB51 PG500 |
| Instrument Date | May 5, 2017 |
| Instrument | 2017060144 |
| Transaction Type | Transfer |
| Record Updated | May 25, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,440.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 2103 WILLOW MANOR RD, CHARLOTTE, NC 28209-1557 |
| Investor | Possibly a Property Investor |
| Document Number | 0000060145 |
|---|---|
| Date | May 8, 2017 |
| Instrument | 2017060145 |
| Name | HOMESIDE FINANCIAL LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.87% |
| Type Change Date | Jun 1, 2024 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 8.87% |
| Index | 1-Year LIBOR |
| Max Rate | 8.87% |
| Document Number | 0000060146 |
|---|---|
| Date | May 8, 2017 |
| Book Page | 31783/513 |
| Instrument | 2017060146 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | RALEIGH, NC 27611 |
| Type | Commercial Mortgage |
|---|---|
| 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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 18 policies |
| Community Rating System | Class 2 (40% premium discount) |
| Nearby Flood Policies | 18 in force |
| Nearby Flood Claims | 37 (1979–2020) |
| Claims Outside the SFHA | 4 of 37 |
| Most Recent Claim | Nov 2020 · river or lake flooding |
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 96% of the US · lower than 97.9% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
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 231 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 · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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