2338 Howerton Ct, Charlotte, NC 28270 Property Records

Mecklenburg County property record for 2338 Howerton Ct, Charlotte, NC 28270

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,148 sqft · built 1996
Lot Size	0.58 acres (25,265 sqft)
Owner	2 Individual Names on File
Last Sale	$892,500 (Apr 2024)
Tax Bill	$5,534 (2024)
Deeds & Mortgages	May 2026 Mortgage Apr 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`227-261-15`

Property Details

APN / Parcel Number

Primary APN	`227-261-15`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,148 sqft Living Area
1st Floor Area	1,353 sqft
Upper Floors Area	1,795 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2005
Exterior Material	Brick
Foundation Type	Raised
Roof Type	Hip
Roof Material	Wood
Lot Area	25,265 sqft (0.58 acres)
Garage Area	542 sqft

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	304 sqft
Deck Area	192 sqft
Patio Area	374 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2338 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	L35 M22-272
Legal Subdivision	HEMBSTEAD PH 04
Legal Block	1
Legal Lot Number	35
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	1
Census Block	1001
Census Tract	5832

Owner

2338 Howerton Ct is owned and occupied by two individuals who bought it in April 2024.

Source: Mecklenburg County records, as of May 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2338 HOWERTON CT, CHARLOTTE, NC 28270-9510
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
May 5, 2026	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CREDIT UNION
Apr 4, 2024	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Aug 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 4, 2024 · Amount on File
Deed Sale	Apr 4, 2024 · Amount on File
Prior Sale	Jul 23, 2001 · Amount on File
Deed Document Number	202430065
Deed Book / Page	38734 / 141
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Recording Date	May 5, 2026
Property Address	2338 HOWERTON CT, CHARLOTTE, NC 28270-9510
Document Number	0000046815
Book / Page	40398 / 655
Instrument Date	Apr 30, 2026
Instrument	202646815
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	LENDER RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2338 HOWERTON CT, CHARLOTTE, NC 28270-9510

Mortgage

Document Number	0000046815,
Date	May 5, 2026
Book Page	40398/655
Instrument	202646815

Lender

Name	STATE EMPLOYEES CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Apr 4, 2024
Property Address	2338 HOWERTON CT, CHARLOTTE, NC 28270-9510
Document Number	0000030065
Book / Page	38734 / 141
Map Reference	MB 22 PG 272
Instrument Date	Apr 3, 2024
Instrument	2024030065
Transaction Type	Transfer
Record Updated	Apr 25, 2024

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,785.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	300 E PARK AVE # AVE14E, AVE14E, CHARLOTTE, NC 28203-4222

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2338 HOWERTON CT, CHARLOTTE, NC 28270-9510

Mortgage

Document Number	0000030066
Date	Apr 4, 2024
Instrument	2024030066

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2054

Mortgage

Document Number	0000030066
Date	Apr 4, 2024
Book Page	38734/145
Instrument	2024030066

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company
Address	600 LYNNHAVEN PKWY STE 100, VIRGINIA BEACH, VA 23452

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2054

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	2338 HOWERTON CT, CHARLOTTE, NC 28270-9510
Transaction Type	Mortgage
Record Updated	May 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000159119
Date	Aug 18, 2021
Book Page	36424/957
Instrument	2021159119

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2036

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		$717,810 Land $180,000 Building $537,810	$717,810 Land $180,000 Building $537,810
2024	$5,534.00 (-19.29%)
2023	$6,857.00	$710,600 Land $180,000 Building $530,600	$710,600 Land $180,000 Building $530,600

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

Flood

FEMA maps place 2338 Howerton Ct 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 2338 Howerton Ct 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	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 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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