Mecklenburg County property record for 2205 Ashcliff Ln, Charlotte, NC 28270
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 4,254 sqft · built 1983 |
| Lot Size | 0.719 acres (31,326 sqft) |
| Owner | Individual Name on File |
| Last Sale | $555,000 (Dec 2019) |
| Tax Bill | $7,527 (2023) |
| Deeds & Mortgages | Dec 2021 Mortgage Mar 2021 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 227-261-04 |
| Primary APN | 227-261-04 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 4,254 sqft Heated Area |
| Gross Area | 4,440 sqft |
| 1st Floor Area | 1,914 sqft |
| Upper Floors Area | 1,951 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1983 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Brick Veneer |
| Foundation Type | Raised |
| Roof Material | Asphalt |
| Lot Area | 31,326 sqft (0.719 acres) |
| Garage Area | 1,107 sqft |
| Pool Type | Pool Type |
|---|---|
| Pool Area | 56 sqft |
| Porch | Porch |
| Porch Area | 84 sqft |
| Deck Area | 300 sqft |
| Patio Area | 640 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Old Parcel Number | 227-261-04 |
|---|---|
| Street Address | 2205 ASHCLIFF LN |
| City | CHARLOTTE |
| State | NC |
| Zip | 28270-9732 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3 |
| Legal Description | L13 B6 M20-321 |
| Legal Subdivision | HEMBSTEAD PH 02 |
| Legal Block | 6 |
| Legal Lot Number | 13 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 1, CHARLOTTE |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 5832 |
2205 Ashcliff Ln is owned and occupied by an individual who bought it in December 2019.
Source: Mecklenburg County records, as of May 24, 2023
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 2205 ASHCLIFF LN, CHARLOTTE, NC 28270-9732 |
| 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.
| Date | Document |
|---|---|
| Dec 10, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Mar 12, 2021 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| May 16, 2022 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Dec 27, 2019 | Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 27, 2019 · Amount on File |
| Deed Sale | Dec 27, 2019 · Amount on File |
| Deed Document Number | 0034162594 |
| Deed Book / Page | 34162 / 594 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 2205 ASHCLIFF LN, CHARLOTTE, NC 28270-9732 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000233349 |
|---|---|
| Date | Dec 10, 2021 |
| Book Page | 36856/646 |
| Instrument | 2021233349 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 2205 ASHCLIFF LN, CHARLOTTE, NC 28270-9732 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2023 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|---|
| Address | 2205 ASHCLIFF LN, CHARLOTTE, NC 28270-9732 |
| Document Number | 0000048369 |
|---|---|
| Date | Mar 12, 2021 |
| Book Page | 35791/73 |
| Instrument | 2021048369 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 2205 ASHCLIFF LN, CHARLOTTE, NC 28270-9732 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2023 |
| Name | Verified Name |
|---|---|
| Address | 2205 ASHCLIFF LN, CHARLOTTE, NC 28270-9732 |
| Document Number | 0000073985 |
|---|---|
| Date | May 16, 2022 |
| Book Page | 37340/632 |
| Instrument | 2022073985 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | May 15, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Dec 27, 2019 |
| Property Address | 2205 ASHCLIFF LN, CHARLOTTE, NC 28270-9732 |
| Document Number | 0000177560 |
| Book / Page | 34162 / 594 |
| Map Reference | MB 20 PG 321 |
| Instrument Date | Dec 20, 2019 |
| Instrument | 2019177560 |
| Transaction Type | Transfer |
| Record Updated | Jun 15, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,110.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 109 E LEROY ST, 109, FORT MILL, SC 29715-1807 |
| Name | Verified Name |
|---|---|
| Address | 2205 ASHCLIFF LN, CHARLOTTE, NC 28270-9732 |
| Document Number | 0000177561 |
|---|---|
| Date | Dec 27, 2019 |
| Instrument | 2019177561 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2050 |
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) |
FEMA maps place 2205 Ashcliff 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 |
|
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 risk around 2205 Ashcliff 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 |
| Adjoins Burnable Land | Yes |
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 | LAMPLIGHTER SOUTH-DANBY private · serves 3,297 people · EPA ID NC0160156 |
|---|---|
| Water Source | Purchased surface water from LANCASTER COUNTY W&SD |
| Last State Inspection | Sep 2025 |
| Also Mapped Here | CHARLOTTE WATER |
| Lead | Under 1 ppb (2026–2028) 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 162 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Google Fiber Fiber | 8,000 / 8,000 |
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 1,000 / 75 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures