2404 Commonwealth Ave, Charlotte, NC 28205 Property Records

Mecklenburg County property record for 2404 Commonwealth Ave, Charlotte, NC 28205

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,925 sqft · built 1951
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on File
Last Sale	$625,000 (Dec 2021)
Tax Bill	$5,620 (2024)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Mar 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`129-033-39`

Property Details

APN / Parcel Number

Primary APN	`129-033-39`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,925 sqft Living Area
1st Floor Area	1,174 sqft
Upper Floors Area	720 sqft
Basement Area	720 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Effective Year Built	Effective 2005
Exterior Material	Concrete
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,970 sqft (0.16 acres)
Garage Area	400 sqft
Porch	Finished/Open Porch
Porch Area	147 sqft
Deck Area	236 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2404 COMMONWEALTH AVE
City	CHARLOTTE
State	NC
Zip	28205-5132
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-5
Legal Description	L2 B14 M230-248
Legal Subdivision	CHANTILLY
Legal Block	14
Legal Lot Number	2
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	3
Census Block	3012
Census Tract	1100

Owner

2404 Commonwealth Ave is owned and occupied by two individuals who bought it in December 2021.

Source: Mecklenburg County records, as of October 7, 2025

Owner of Record	2 Individual Names on File
Mailing Address	2404 COMMONWEALTH AVE, CHARLOTTE, NC 28205-5132
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
Dec 16, 2021	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Mar 28, 2019	Warranty Deed, Transfer · ARM FIFTH THIRD BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 16, 2021 · Amount on File
Deed Sale	Dec 16, 2021 · Amount on File
Prior Sale	Mar 28, 2019 · Amount on File
Deed Document Number	2021237382
Deed Book / Page	36879 / 811
Prior Transfer Date	Dec 9, 1997
Prior Transfer Doc	9400000599
Record Updated	Oct 29, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Dec 16, 2021
Property Address	2404 COMMONWEALTH AVE, CHARLOTTE, NC 28205-5132
Document Number	0000237382
Book / Page	36879 / 811
Map Reference	MB 230 PG 249
Instrument Date	Dec 15, 2021
Instrument	2021237382
Transaction Type	Transfer
Record Updated	May 22, 2026
Title Company	TRYON TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,250.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1617 ONSLOW DR, CHARLOTTE, NC 28205-3567

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2404 COMMONWEALTH AVE, CHARLOTTE, NC 28205-5132

Mortgage

Document Number	0000237383
Date	Dec 16, 2021
Instrument	2021237383

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Mar 28, 2019
Property Address	2404 COMMONWEALTH AVE, CHARLOTTE, NC 28205-5132
Document Number	0000035441
Book / Page	33386 / 500
Map Reference	MB 230 PG 249
Instrument Date	Mar 22, 2019
Instrument	2019035441
Transaction Type	Transfer
Record Updated	Jun 15, 2021
Title Company	CHICAGO TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,060.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6712 CORTLAND AVE, 6712, ALLEN PARK, MI 48101-2312

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2404 COMMONWEALTH AVE, CHARLOTTE, NC 28205-5132

Mortgage

Document Number	0000035442
Date	Mar 28, 2019
Instrument	2019035442

Lender

Name	FIFTH THIRD BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Type Change Date	Apr 1, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.62%
Index	1-Year LIBOR
Max Rate	8.62%

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		$722,000 Land $308,800 Building $413,200	$722,000 Land $308,800 Building $413,200
2024	$5,620.00

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

Flood

FEMA maps place 2404 Commonwealth Ave in Zone X, an area of minimal flood risk.

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	4 in force

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 2404 Commonwealth Ave is low, with less than 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 99.8% of the US · lower than 99.9% of North Carolina
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	CHARLOTTE WATER serves 1,206,285 people · EPA ID NC0160010
Water Source	Surface water
Last State Inspection	Jul 2025
Lead	Under 1 ppb (2023–2025) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 433 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, 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	1,000 / 75
T-Mobile Fixed Wireless	100 / 20

May also be available: Google Fiber.

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