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2401 E Providence Dr, Charlotte, NC 28270 Property Records

Mecklenburg County property record for 2401 E Providence Dr, Charlotte, NC 28270

Property Summary

Property TypeSingle Family Home
Details5 bd · 4 ba · 2,816 sqft · built 1965
Lot Size0.97 acres (42,253 sqft)
Owner2 Individual Names on File
Last Sale$252,000 (Mar 2007)
Tax Bill$4,203 (2024)
Deeds & MortgagesFeb 2026 Line of Credit
Sep 2025 Line of Credit
+ 1 more
Flood ZoneZone X (minimal risk)
APN231-062-19

Property Details

APN / Parcel Number

Primary APN231-062-19

Interior

Bedrooms5 Beds
Full Baths4 Baths
Stories1 Story
Building Area2,816 sqft Living Area
1st Floor Area2,816 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1965
Effective Year BuiltEffective 1995
Exterior MaterialBrick
Construction TypeFrame
Foundation TypeRaised
Roof TypeGable
Roof MaterialOther
Lot Area42,253 sqft (0.97 acres)
Garage Area744 sqft
Deck Area576 sqft
Patio Area594 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Street Address2401 E PROVIDENCE DR
CityCHARLOTTE
StateNC
Zip28270-1226
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-3
Legal DescriptionL4 B2 M9-357
Legal SubdivisionEAST PROVIDENCE ESTATES
Legal Block2
Legal Lot Number4
JurisdictionMECKLENBURG NC
Township / Civil Division1, CHARLOTTE
Census Block Group2
Census Block2009
Census Tract5851

Owner

2401 E Providence Dr is owned and occupied by two individuals who acquired it in December 2009.

Source: Mecklenburg County records, as of May 21, 2026

Owner of Record2 Individual Names on File
Mailing Address2401 E PROVIDENCE DR, CHARLOTTE, NC 28270-1226
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Feb 3, 2026Deed of Trust, Mortgage · Line of Credit
VALON MORTGAGE INC
Sep 29, 2025Deed of Trust, Mortgage · Line of Credit
VALON MORTGAGE INC
Oct 15, 2021Deed of Trust, Mortgage · Conventional Mortgage
UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 29, 2007 · Amount on File
Deed SaleMar 29, 2007 · Amount on File
Deed Document Number200762696
Deed Book / Page21985 / 212
Last Transfer DateDec 18, 2009
Transfer Doc0000172946
Record UpdatedOct 29, 2026

February 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMECKLENBURG NC
Property Address2401 E PROVIDENCE DR, CHARLOTTE, NC 28270-1226
Transaction TypeMortgage
Record UpdatedFeb 11, 2026

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000010149
DateFeb 3, 2026
Book Page40172/255
Instrument2026010149
Lender
NameVALON MORTGAGE INC
TypeMortgage Company
AddressPHOENIX, AZ 85044
Agreement
TypeLine of Credit
AmountAmount on Record
Term360 Months
DueFeb 20, 2056
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

September 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMECKLENBURG NC
Property Address2401 E PROVIDENCE DR, CHARLOTTE, NC 28270-1226
Transaction TypeMortgage
Record UpdatedOct 8, 2025

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000098606
DateSep 29, 2025
Book Page39889/609
Instrument2025098606
Lender
NameVALON MORTGAGE INC
TypeMortgage Company
AddressPHOENIX, AZ 85044
Agreement
TypeLine of Credit
AmountAmount on Record
Term181 Months
DueOct 13, 2040
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

October 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMECKLENBURG NC
Property Address2401 E PROVIDENCE DR, CHARLOTTE, NC 28270-1226
Transaction TypeMortgage
Record UpdatedMay 25, 2023

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000197589
DateOct 15, 2021
Book Page36649/558
Instrument2021197589
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term121 Months
DueNov 1, 2031

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateNorth Carolina
CountyMecklenburg County
MunicipalityCharlotte City
Unified School DistrictCharlotte-Mecklenburg Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$534,800 Land $150,000 Building $384,800$534,800 Land $150,000 Building $384,800
2024$4,203.00

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

Flood

FEMA maps place 2401 E Providence Dr in Zone X, an area of minimal flood risk.

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

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

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

Wildfire

Wildfire risk around 2401 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 RiskLow
lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood0.03% annual chance
ExposureDirect
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 SystemUNION COUNTY WATER SYSTEM
serves 169,685 people · EPA ID NC0190413
Water SourceSurface water
Last State InspectionMay 2026
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityE. coli
resolved · Mar 2020
Haloacetic acids
resolved · Jul 2017
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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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