2114 Wharton Ln, Charlotte, NC 28270 Property Records

Mecklenburg County property record for 2114 Wharton Ln, Charlotte, NC 28270

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 2,969 sqft · built 1983
Lot Size	0.457 acres (19,942 sqft)
Owner	Individual Name on File
Last Sale	$706,000 (Jun 2023)
Tax Bill	$6,549 (2023)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Oct 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`227-251-67`

Property Details

APN / Parcel Number

Primary APN	`227-251-67`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,969 sqft Heated Area
Gross Area	3,865 sqft
1st Floor Area	1,690 sqft
Upper Floors Area	1,556 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Architectural Style	Other
Exterior Material	Brick Veneer
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	19,942 sqft (0.457 acres)
Garage Area	595 sqft
Deck Area	204 sqft
Patio Area	236 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Old Parcel Number	227-251-67
Street Address	2114 WHARTON LN
City	CHARLOTTE
State	NC
Zip	28270-9706
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	P11 B5 M20-139
Legal Subdivision	HEMBSTEAD
Legal Block	5
Legal Lot Number	11
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	1
Census Block	1008
Census Tract	5832

Owner

2114 Wharton Ln is owned and occupied by an individual who bought it in June 2023.

Source: Mecklenburg County records, as of July 10, 2023

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2114 WHARTON LN, CHARLOTTE, NC 28270-9706
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

Date	Document
Jun 29, 2023	Warranty Deed, Transfer · Conventional Mortgage LOCAL GOVERNMENT FCU
Oct 6, 2017	Deed of Trust, Mortgage · ARM WYNDHAM CAPITAL MORTGAGE INC
Jan 30, 2018	Warranty Deed, Transfer · Conventional Mortgage MCLEAN MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 29, 2023 · Amount on File
Deed Sale	Jun 29, 2023 · Amount on File
Prior Sale	Jan 30, 2018 · Amount on File
Deed Document Number	2023061439
Deed Book / Page	38219 / 527
Record Updated	Jun 7, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Jun 29, 2023
Property Address	2114 WHARTON LN, CHARLOTTE, NC 28270-9706
Document Number	0000061439
Book / Page	38219 / 527
Instrument Date	Jun 20, 2023
Instrument	2023061439
Transaction Type	Transfer
Record Updated	Jul 11, 2023
Title Company	MASTER TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,412.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6508 BARCROFT LN, RICHMOND, VA 23226-3103

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2114 WHARTON LN, CHARLOTTE, NC 28270-9706

Mortgage

Document Number	0000061440
Date	Jun 29, 2023
Book Page	38219/530
Instrument	2023061440

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.4%
Type Change Date	Jul 1, 2028
Change Frequency	5 Years
Min Rate At Change	3.45%
Max Rate At Change	7.45%
Index	5-Year TN
Margin	2
Max Rate	11.4%

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	2114 WHARTON LN, CHARLOTTE, NC 28270-9706
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000135845
Date	Oct 6, 2017
Book Page	32177/830
Instrument	2017135845

Lender

Name	WYNDHAM CAPITAL MORTGAGE INC
Type	Mortgage Company
Address	CHARLOTTE, NC 28210

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Oct 1, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.75%
Index	1-Year LIBOR
Max Rate	8.75%

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Jan 30, 2018
Property Address	2114 WHARTON LN, CHARLOTTE, NC 28270-9706
Document Number	0000010642
Book / Page	32432 / 580
Instrument Date	Jan 29, 2018
Instrument	2018010642
Transaction Type	Transfer
Record Updated	Jun 15, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,020.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2114 WHARTON LN, CHARLOTTE, NC 28270-9706

Mortgage

Document Number	0000010643
Date	Jan 30, 2018
Instrument	2018010643

Lender

Name	MCLEAN MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2033

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$6,549.00	$678,700 Land $225,000 Building $453,700	$678,700 Land $225,000 Building $453,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2114 Wharton Ln in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2008.

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
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	8 in force
Nearby Flood Claims	5 (2008–2018)
Claims Outside the SFHA	3 of 5
Most Recent Claim	Sep 2018 · Hurricane Florence
Claims by Event	Hurricane Florence, Sep 2018 · 2 claims

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 2114 Wharton Ln 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 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach

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 337 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	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

May also be available: Google Fiber.

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