2109 Arnold Dr, Charlotte, NC 28205 Property Records

Mecklenburg County property record for 2109 Arnold Dr, Charlotte, NC 28205

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,493 sqft · built 1950
Lot Size	0.444 acres (19,353 sqft)
Owner	Individual Name on File
Last Sale	$112,500 (Jul 2000)
Tax Bill	$4,198 (2023)
Deeds & Mortgages	Mar 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`095-101-12`

Property Details

APN / Parcel Number

Primary APN	`095-101-12`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,493 sqft Heated Area
1st Floor Area	1,108 sqft
Upper Floors Area	385 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Architectural Style	Other
Exterior Material	Composition/Composite
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	19,353 sqft (0.444 acres)
Garage Area	360 sqft
Patio Area	16 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	095-101-12
Street Address	2109 ARNOLD DR
City	CHARLOTTE
State	NC
Zip	28205-3815
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	L6 B5A M6-359
Legal Subdivision	COUNTRY CLUB HILLS
Legal Block	5A
Legal Lot Number	6
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	1
Census Block	1014
Census Tract	1200

Owner

2109 Arnold Dr is owned and occupied by an individual who bought it in July 2000.

Source: Mecklenburg County records, as of May 24, 2023

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2109 ARNOLD DR, CHARLOTTE, NC 28205-3815
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 24, 2000 · Amount on File
Deed Sale	Jul 24, 2000 · Amount on File
Deed Document Number	0001144315
Deed Book / Page	11443 / 0015
Record Updated	Jun 7, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	2109 ARNOLD DR, CHARLOTTE, NC 28205-3815
Document Number	0000045074
Instrument Date	Mar 25, 2020
Transaction Type	Mortgage
Record Updated	May 12, 2020
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2109 ARNOLD DR CHARLOTTE NC 282053815, CHARLOTTE, NC 28205-3815

Mortgage

Document Number	0000045074
Date	Mar 31, 2020
Book Page	034423/000850
Instrument	45074

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 30, 2050

Tax Assessment & Valuation

Source: Mecklenburg County assessment roll, as of January 1, 2023

Property Jurisdictions

Type	Name
State	North Carolina
County	Mecklenburg County
Municipality	Charlotte City
Unified School District	Charlotte-Mecklenburg Schools (PK - 12)

Flood

FEMA maps place 2109 Arnold Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 19 policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	19 in force
Nearby Flood Claims	99 (1982–2024)
Claims Outside the SFHA	19 of 99
Most Recent Claim	Jan 2024 · 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.

Wildfire

Wildfire risk around 2109 Arnold Dr is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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 177 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