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2138 E 5th St, Charlotte, NC 28204 Property Records

Mecklenburg County property record for 2138 E 5th St, Charlotte, NC 28204

Property Summary

Property TypeSingle Family Home
Details4 bd · 4 ba · 3,712 sqft · built 2005
Lot Size0.203 acres (8,846 sqft)
OwnerIndividual Name on File
Last Sale$1,600,000 (Nov 2022)
Tax Bill$13,541 (2023)
Deeds & MortgagesSep 2021 Line of Credit
Nov 2022 Sale & Mortgage
+ 3 more
Flood ZoneZone X (minimal risk)
APN127-085-13

Property Details

APN / Parcel Number

Primary APN127-085-13

Interior

Bedrooms4 Beds
Full Baths4 Baths
Half Baths1 Half Bath
Stories3 Stories
Building Area3,712 sqft Heated Area
Gross Area4,711 sqft
1st Floor Area1,619 sqft
Upper Floors Area1,605 sqft
Attic Area459 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2005
Architectural StyleOther
Exterior MaterialAluminum/Vinyl
Foundation TypeRaised
Roof MaterialOther
Lot Area8,846 sqft (0.203 acres)

Exterior Amenities

PorchPorch
Porch Area428 sqft
Deck Area192 sqft
Patio Area600 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air
Heating FuelGas

Location & Zoning

Old Parcel Number127-085-13
Street Address2138 E 5TH ST
CityCHARLOTTE
StateNC
Zip28204-3304
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-5
Legal DescriptionL9 B3 M332 230
Legal SubdivisionROSEMONT
Legal Block3
Legal Lot Number9
JurisdictionMECKLENBURG NC
Township / Civil Division1, CHARLOTTE
Census Block Group3
Census Block3001
Census Tract2400

Owner

Source: Mecklenburg County records · APN 127-085-13

Assessment roll updated January 1, 2023 · Last verified June 2023

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address2138 E 5TH ST, CHARLOTTE, NC 28204-3304
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 03, 2021Deed of Trust, Mortgage · Line of Credit
SOUTH STATE BANK NA
Nov 15, 2022Warranty Deed, Transfer · Conventional Mortgage
AMERICAN SECURITY MORTGAGE CORP
Jan 30, 2017Deed of Trust, Mortgage · ARM
ATLANTIC BAY MORTGAGE GROUP LLC
Oct 22, 2020Deed of Trust, Mortgage · Conventional Mortgage
ATLANTIC BAY MORTGAGE GROUP LLC
Jul 02, 2020Warranty Deed, Transfer
CAROLINAS TELCO FCU

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleNov 15, 2022 · Amount on Record
Deed SaleNov 15, 2022 · Amount on Record
Prior SaleAug 23, 2005 · Amount on Record
Deed Document Number0037774435
Deed Book / Page37774 / 435
Record UpdatedJun 07, 2026

September 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMECKLENBURG NC
Property Address2138 E 5TH ST, CHARLOTTE, NC 28204-3304
Transaction TypeMortgage
Record UpdatedMay 25, 2023
Title CompanyACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

NameVerified Name
Address2138 E 5TH ST, CHARLOTTE, NC 28204-3304

Mortgage

Document Number0000170008
DateSep 03, 2021
Book Page36491/697
Instrument2021170008
Lender
NameSOUTH STATE BANK NA
TypeBank
AddressWINTER HAVEN, FL 33880
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

November 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMECKLENBURG NC
Recording DateNov 15, 2022
Property Address2138 E 5TH ST, CHARLOTTE, NC 28204-3304
Document Number0000154244
Book / Page37774 / 435
Map ReferenceMB 332 PG 230
Instrument DateNov 10, 2022
Instrument2022154244
Transaction TypeTransfer
Record UpdatedMay 25, 2023
Title CompanyCARDINAL TITLE CENTER LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,200.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 32563, CHARLOTTE, NC 28232-2563

Transferred To (Grantee/Buyer)

NameVerified Name
Address2138 E 5TH ST, CHARLOTTE, NC 28204-3304

Mortgage

Document Number0000154245
DateNov 15, 2022
Instrument2022154245
Lender
NameAMERICAN SECURITY MORTGAGE CORP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueDec 01, 2052
Interest
Rate TypeAdjustable Rate
Rate5.25%
Type Change DateDec 01, 2032
Change Frequency6 Months
Min Rate At Change2.75%
Max Rate At Change10.2%
IndexOther
Max Rate10.2%

January 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMECKLENBURG NC
Property Address2138 E 5TH ST, CHARLOTTE, NC 28204-3304
Transaction TypeMortgage
Record UpdatedAug 23, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000012462
DateJan 30, 2017
Book Page31531/917
Instrument2017012462
Lender
NameATLANTIC BAY MORTGAGE GROUP LLC
TypeMortgage Company
AddressVIRGINIA BEACH, VA 23452
Agreement
TypeARM
AmountAmount Recorded
Term361 Months
DueFeb 01, 2047
Interest
Rate TypeAdjustable Rate
Rate4%
Type Change DateFeb 01, 2027
Change FrequencyAnnually
Min Rate At Change2.25%
Max Rate At Change9%
Index1-Year LIBOR
Max Rate9%

October 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMECKLENBURG NC
Property Address2138 E 5TH ST, CHARLOTTE, NC 28204-3304
Transaction TypeMortgage
Record UpdatedAug 23, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000175603
DateOct 22, 2020
Book Page35216/515
Instrument2020175603
Lender
NameATLANTIC BAY MORTGAGE GROUP LLC
TypeMortgage Company
AddressVIRGINIA BEACH, VA 23452
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2050

July 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMECKLENBURG NC
Recording DateJul 02, 2020
Property Address2138 E 5TH ST, CHARLOTTE, NC 28204-3304
Document Number0000099891
Book / Page034764 / 000171
Instrument DateJul 02, 2020
Instrument99891
Transaction TypeTransfer
Record UpdatedJul 31, 2020
Title CompanyBARRISTERS TITLE SERVICES/THE CARO, BARRISTERS TITLE SVCS/THE CARO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,448.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipMarried Couple
Address2142 E 5TH ST CHARLOTTE NC 282043304, CHARLOTTE, NC 28204-3304

Mortgage

Document Number99892
DateJul 02, 2020
Book Page034764/000173
Instrument99892
Lender
NameCAROLINAS TELCO FCU
TypeCredit Union
Address2821 CRISMAN ST, CHARLOTTE, NC 28208-3847
Agreement
AmountAmount Recorded
Term360 Months
DueJul 01, 2050

Tax Assessment & Valuation

Source: Mecklenburg County records · Assessment roll updated January 1, 2023 · Last verified June 2023

Property Jurisdictions

TypeName
StateNorth Carolina
CountyMecklenburg County
MunicipalityCharlotte City
Unified School DistrictCharlotte-Mecklenburg Schools (PK - 12)

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 3, 2024 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Wildfire

Wildfire RiskLow
lower than 98% of the US · lower than 99% of North Carolina
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Historic Designation

Source: NPS National Register of Historic Places as of August 1, 2026 · Last verified October 2026

Historic DistrictWithin the Elizabeth Historic District
listed 1989 · 893 contributing resources · NRIS 88003003

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
AT&T
Fiber · DSL		5,000 / 5,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		1,000 / 75
Starlink
Satellite		280 / 30
T-Mobile USA
Fixed Wireless		100 / 20

Based on FCC filings for 467 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemCHARLOTTE WATER
serves 1,206,285 people
Water SourceSurface water
Last State InspectionJul 2025
LeadUnder 1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

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