2348 Howerton Ct, Charlotte, NC 28270 Property Records

Mecklenburg County property record for 2348 Howerton Ct, Charlotte, NC 28270

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,043 sqft · built 1996
Lot Size	0.583 acres (25,425 sqft)
Owner	Individual Name on File
Last Sale	$852,500 (Mar 2024)
Tax Bill	$6,901 (2023)
Deeds & Mortgages	Nov 2025 Mortgage Mar 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`227-261-14`

Property Details

APN / Parcel Number

Primary APN	`227-261-14`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,043 sqft Heated Area
Gross Area	3,676 sqft
1st Floor Area	1,690 sqft
Upper Floors Area	1,457 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Architectural Style	Other
Exterior Material	Brick Veneer
Foundation Type	Raised
Roof Material	Wood
Lot Area	25,425 sqft (0.583 acres)
Garage Area	529 sqft
Deck Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	227-261-14
Street Address	2348 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	L34 M22-272
Legal Subdivision	HEMBSTEAD PH 04
Legal Lot Number	34
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	1
Census Block	1001
Census Tract	5832

Owner

2348 Howerton Ct is owned by an individual who bought it in March 2024.

Source: Mecklenburg County records, as of April 22, 2024

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
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
Nov 3, 2025	Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Mar 19, 2024	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 19, 2024 · Amount on File
Deed Sale	Mar 19, 2024 · Amount on File
Prior Sale	Sep 26, 1997 · Amount on File
Deed Document Number	2024024183
Deed Book / Page	38698 / 477
Record Updated	Jun 7, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	2348 HOWERTON CT, CHARLOTTE, NC 28270-9510
Transaction Type	Mortgage
Record Updated	Nov 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2348 HOWERTON CT, CHARLOTTE, NC 28270-9510

Mortgage

Document Number	0000112700
Date	Nov 3, 2025
Book Page	39978/4
Instrument	2025112700

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Dec 1, 2045

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Mar 19, 2024
Property Address	2348 HOWERTON CT, CHARLOTTE, NC 28270-9510
Document Number	0000024183
Book / Page	38698 / 477
Map Reference	MB 22 PG 272
Instrument Date	Mar 19, 2024
Instrument	2024024183
Transaction Type	Transfer
Record Updated	Apr 23, 2024
Title Company	CASTLE TITLE AGENCY LLC, MASTER TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Tax	$1,705.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000024184
Date	Mar 19, 2024
Instrument	2024024184

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

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

Mortgage

Document Number	0000024184
Date	Mar 19, 2024
Book Page	38698/479
Instrument	2024024184

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	Apr 1, 2054

Tax Assessment & Valuation

Source: Mecklenburg County assessment roll, as of January 1, 2023

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
2023	$6,901.00	$715,200 Land $180,000 Building $535,200	$715,200 Land $180,000 Building $535,200

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

Flood

FEMA maps place 2348 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 2348 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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