Mecklenburg County property record for 2420 E 5th St, Charlotte, NC 28204
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,761 sqft · built 1936 |
| Lot Size | 0.207 acres (9,042 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $1,150,000 (Jan 2026) |
| Tax Bill | $6,851 (2024) |
| Deeds & Mortgages | Sep 2021 Line of Credit Jan 2026 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 127-136-07 |
| Primary APN | 127-136-07 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,761 sqft Heated Area |
| 1st Floor Area | 1,442 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1936 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Brick |
| Foundation Type | Raised |
| Roof Material | Asphalt |
| Lot Area | 9,042 sqft (0.207 acres) |
| Porch | Porch |
| Porch Area | 132 sqft |
| Patio Area | 12 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Street Address | 2420 E 5TH ST |
|---|---|
| City | CHARLOTTE |
| State | NC |
| Zip | 28204-4339 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-5 |
| Legal Description | L6 B15 M3-13 |
| Legal Subdivision | ROSEMONT |
| Legal Block | 15 |
| Legal Lot Number | 6 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 1, CHARLOTTE |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 2400 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Elizabeth Historic District listed 1989 · 893 contributing resources · NRIS 88003003 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: Mecklenburg County records, as of February 2, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 2420 E 5TH ST, CHARLOTTE, NC 28204-4339 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 8, 2021 | Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO |
| Jan 23, 2026 | Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC |
| Dec 7, 2020 | Deed of Trust, Mortgage · Conventional Mortgage DIRECT HOME LOANS LLC |
| Sep 11, 2019 | Deed of Trust, Mortgage · Commercial Mortgage SOUTH STATE BANK |
| Oct 24, 2019 | Warranty Deed, Transfer · Conventional Mortgage DIRECT HOME LOANS LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 23, 2026 · Amount on Record |
| Deed Sale | Jan 23, 2026 · Amount on Record |
| Prior Sale | Oct 24, 2019 · Amount on Record |
| Deed Document Number | 2026006956 |
| Deed Book / Page | 40153 / 653 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 2420 E 5TH ST, CHARLOTTE, NC 28204-4339 |
| Transaction Type | Mortgage |
| Record Updated | May 22, 2026 |
| Title Company | STEWART TITLE, STEWART TTL GUARANTY NON CA |
| Name | Verified Name |
|---|---|
| Address | 2420 E 5TH ST, CHARLOTTE, NC 28204-4339 |
| Investor | Possibly a Property Investor |
| Document Number | 0000171834 |
|---|---|
| Date | Sep 8, 2021 |
| Book Page | 36501/966 |
| Instrument | 2021171834 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Jan 23, 2026 |
| Property Address | 2420 E 5TH ST, CHARLOTTE, NC 28204-4339 |
| Document Number | 0000006956 |
| Book / Page | 40153 / 653 |
| Map Reference | MB 3 PG 13 |
| Instrument Date | Jan 21, 2026 |
| Instrument | 2026006956 |
| Transaction Type | Transfer |
| Record Updated | May 22, 2026 |
| Title Company | ATLANTIC CAROLINAS TITLE LLC, ATLANTIC CAROLINAS TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,300.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 525 CLEMENT AVE, CHARLOTTE, NC 28204-2329 |
| Name | Verified Name |
|---|---|
| Address | 2420 E 5TH ST, CHARLOTTE, NC 28204-4339 |
| Document Number | 0000006957 |
|---|---|
| Date | Jan 23, 2026 |
| Instrument | 2026006957 |
| Name | ATLANTIC BAY MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 2420 E 5TH ST, CHARLOTTE, NC 28204-4339 |
| Transaction Type | Mortgage |
| Record Updated | Feb 10, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000206454 |
|---|---|
| Date | Dec 7, 2020 |
| Book Page | 35400/449 |
| Instrument | 2020206454 |
| Name | DIRECT HOME LOANS LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | CHARLOTTE, NC 28203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Dec 1, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 2420 E 5TH ST, CHARLOTTE, NC 28204-4339 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000119993 |
|---|---|
| Date | Sep 11, 2019 |
| Book Page | 33839/332 |
| Instrument | 2019119993 |
| Name | SOUTH STATE BANK |
|---|---|
| Type | Bank |
| Address | CHARLESTON, SC 29423 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 18 Months |
| Due | Mar 20, 2021 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Oct 24, 2019 |
| Property Address | 2420 E 5TH ST, CHARLOTTE, NC 28204-4339 |
| Document Number | 0000144107 |
| Book / Page | 33974 / 499 |
| Map Reference | MB 3 PG 13 |
| Instrument Date | Oct 24, 2019 |
| Instrument | 2019144107 |
| Transaction Type | Transfer |
| Record Updated | Jun 15, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,190.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1915 BRANDON CIR, 1915, CHARLOTTE, NC 28211-1612 |
| Name | Verified Name |
|---|---|
| Address | 2420 E 5TH ST, CHARLOTTE, NC 28204-4339 |
| Document Number | 0000144108 |
|---|---|
| Date | Oct 24, 2019 |
| Instrument | 2019144108 |
| Name | DIRECT HOME LOANS LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2049 |
| Document Number | 0000144109 |
|---|---|
| Date | Oct 24, 2019 |
| Book Page | 33974/516 |
| Instrument | 2019144109 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | RALEIGH, NC 27611 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Mecklenburg County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mecklenburg County |
| Municipality | Charlotte City |
| Unified School District | Charlotte-Mecklenburg Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $904,900 Land $550,000 Building $354,900 | ||
| 2024 | $6,851.00 | ||
| 2023 | $904,900 Land $550,000 Building $354,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Flood Insurance Cost | Premium on Record median of 21 policies |
| Community Rating System | Class 2 (40% premium discount) |
| Nearby Flood Policies | 21 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 99.5% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 467 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 1,000 / 75 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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