2316 E Providence Dr, Charlotte, NC 28270 Property Records

Mecklenburg County property record for 2316 E Providence Dr, Charlotte, NC 28270

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,615 sqft · built 2000
Lot Size	0.96 acres (41,818 sqft)
Owner	2 Individual Names on File
Last Sale	$165,000 (Apr 2001)
Tax Bill	$3,562 (2025)
Deeds & Mortgages	Apr 2021 Line of Credit Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`231-061-13`

Property Details

APN / Parcel Number

Primary APN	`231-061-13`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,615 sqft Living Area
Gross Area	2,056 sqft
1st Floor Area	1,615 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Roof Type	Hip
Roof Material	Other
Lot Area	41,818 sqft (0.96 acres)
View / Lot	Rural
Garage Type	Attached
Garage Area	441 sqft
Porch	Finished/Open Porch
Porch Area	84 sqft
Deck Area	344 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2316 E PROVIDENCE DR
City	CHARLOTTE
State	NC
Zip	28270-1223
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	L3 B3 M9-357
Legal Subdivision	EAST PROVIDENCE ESTATES
Legal Block	3
Legal Lot Number	3
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	2
Census Block	2012
Census Tract	5851

Owner

2316 E Providence Dr is owned and occupied by two individuals who bought it in April 2001.

Source: Mecklenburg County records, as of October 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2316 E PROVIDENCE DR, CHARLOTTE, NC 28270-1223
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
Apr 13, 2021	Deed of Trust, Mortgage · Line of Credit CHARLOTTE METRO FCU
Dec 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 6, 2001 · Amount on File
Deed Sale	Apr 6, 2001 · Amount on File
Prior Sale	Sep 8, 2000 · Amount on File
Deed Document Number	200151998
Deed Book / Page	12095 / 906
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	2316 E PROVIDENCE DR, CHARLOTTE, NC 28270-1223
Transaction Type	Mortgage
Record Updated	May 25, 2023
Title Company	DATA SEARCH INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2316 EAST PROVIDENCE DR, CHARLOTTE, NC 28270-1223

Mortgage

Document Number	0000072486
Date	Apr 13, 2021
Book Page	35930/511
Instrument	2021072486

Lender

Name	CHARLOTTE METRO FCU
Type	Credit Union
Address	CHARLOTTE, NC 28204

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 12, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	2316 E PROVIDENCE DR, CHARLOTTE, NC 28270-1223
Transaction Type	Mortgage
Record Updated	Aug 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000208114
Date	Dec 8, 2020
Book Page	35409/856
Instrument	2020208114

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 2316 E Providence Dr was $3,562.

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	$3,562.00	$441,800 Land $150,000 Building $291,800	$441,800 Land $150,000 Building $291,800

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

Flood

FEMA maps place 2316 E Providence Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 3, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

Wildfire risk around 2316 E Providence 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	UNION COUNTY WATER SYSTEM serves 169,685 people · EPA ID NC0190413
Water Source	Surface water
Last State Inspection	May 2026
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Mar 2020 Haloacetic acids resolved · Jul 2017
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 261 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Google Fiber, Windstream.

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