2302 Howerton Ct, Charlotte, NC 28270 Property Records

Mecklenburg County property record for 2302 Howerton Ct, Charlotte, NC 28270

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,181 sqft · built 1996
Lot Size	0.56 acres (24,394 sqft)
Owner	2 Individual Names on Record
Last Sale	$540,000 (Jul 2019)
Tax Bill	$5,313 (2024)
Deeds & Mortgages	Oct 2022 Line of Credit Sep 2022 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`227-261-19`

Property Details

APN / Parcel Number

Primary APN	`227-261-19`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,181 sqft Living Area
Gross Area	3,622 sqft
1st Floor Area	1,721 sqft
Upper Floors Area	1,518 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2005
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	No Foundation
Roof Type	Hip
Roof Material	Other
Lot Area	24,394 sqft (0.56 acres)
Garage Type	Attached
Garage Area	441 sqft

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	12 sqft
Deck Area	441 sqft
Patio Area	457 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	2302 HOWERTON CT
City	CHARLOTTE
State	NC
Zip	28270-9510
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	L39 M22-272
Legal Subdivision	HEMPSTEAD PH 04
Legal Block	1
Legal Lot Number	39
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	1
Census Block	1001
Census Tract	5832

Owner

Source: Mecklenburg County records, as of September 9, 2025

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

Owner of Record	2 Individual Names on Record
Mailing Address	2302 HOWERTON CT, CHARLOTTE, NC 28270-9510
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2022	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Sep 27, 2022	Intrafamily Transfer, Transfer
Dec 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRSTBANK
Jul 26, 2019	Warranty Deed, Transfer · Conventional Mortgage BRANCH BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 26, 2019 · Amount on Record
Deed Sale	Jul 26, 2019 · Amount on Record
Prior Sale	Sep 9, 2015 · Amount on Record
Deed Document Number	201995401
Deed Book / Page	33702 / 883
Last Transfer Date	Sep 25, 2022
Transfer Doc	0000135841
Record Updated	Sep 20, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	2302 HOWERTON CT, CHARLOTTE, NC 28270-9510
Transaction Type	Mortgage
Record Updated	May 25, 2023
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2302 HOWERTON CT, CHARLOTTE, NC 28270-9510

Mortgage

Document Number	0000147544
Date	Oct 27, 2022
Book Page	37737/291
Instrument	2022147544

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MECKLENBURG NC
Recording Date	Sep 27, 2022
Property Address	2302 HOWERTON CT, CHARLOTTE, NC 28270-9510
Document Number	0000135841
Book / Page	37672 / 977
Map Reference	MB 22 PG 272
Instrument Date	Sep 23, 2022
Instrument	2022135841
Transaction Type	Transfer
Record Updated	May 25, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2302 HOWERTON CT, CHARLOTTE, NC 28270-9510

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	2302 HOWERTON CT, CHARLOTTE, NC 28270-9510
Transaction Type	Mortgage
Record Updated	Feb 10, 2021
Title Company	SOLIDIFI TITLE & CLOSING LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000208399
Date	Dec 9, 2020
Book Page	35411/25
Instrument	2020208399

Lender

Name	FIRSTBANK
Type	Bank
Address	FRANKLIN, TN 37064

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Jul 26, 2019
Property Address	2302 HOWERTON CT, CHARLOTTE, NC 28270-9510
Document Number	0000095401
Book / Page	033702 / 000883
Instrument Date	Jul 25, 2019
Instrument	95401
Transaction Type	Transfer
Record Updated	Aug 19, 2019
Title Company	BRIDGETRUST TITLE GROUP, BRIDGETRUST TITLE GRP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,080.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	2302 HOWERTON CT CHARLOTTE NC 282709510, CHARLOTTE, NC 28270-9510

Mortgage

Document Number	95402
Date	Jul 26, 2019
Book Page	033702/000885
Instrument	95402

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WILSON, NC 27893

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 25, 2049

Tax Assessment & Valuation

Source: Mecklenburg County assessment roll, as of September 9, 2025

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
2025		$681,400 Land $180,000 Building $501,400	$681,400 Land $180,000 Building $501,400
2024	$5,313.00

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

Flood

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

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	0.02% 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.

Drinking Water

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

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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 290 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
Windstream DSL · Fiber in parts of the area	200 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Google Fiber.

Nearby Properties on Howerton Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures