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2425 Bay St, Charlotte, NC 28205 Property Records

Mecklenburg County property record for 2425 Bay St, Charlotte, NC 28205

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 862 sqft · built 1946
Lot Size0.183 acres (7,980 sqft)
OwnerIndividual Name on File
Last Sale$420,000 (Jan 2021)
Tax Bill$4,241 (2023)
Deeds & MortgagesJan 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN127-065-08

Property Details

APN / Parcel Number

Primary APN127-065-08

Interior

Bedrooms2 Beds
Full Baths1 Bath
Stories1 Story
Building Area862 sqft Heated Area
Gross Area934 sqft
1st Floor Area841 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1946
Architectural StyleOther
Exterior MaterialBrick Veneer
Foundation TypeRaised
Roof MaterialAsphalt
Lot Area7,980 sqft (0.183 acres)
Garage Area228 sqft
PorchPorch
Porch Area93 sqft
Patio Area20 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air
Heating FuelGas

Location & Zoning

Old Parcel Number127-065-08
Street Address2425 BAY ST
CityCHARLOTTE
StateNC
Zip28205-6101
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-5
Legal DescriptionL18 B37 M5-217
Legal SubdivisionCHANTILLY
Legal Block37
Legal Lot Number18
JurisdictionMECKLENBURG NC
Township / Civil Division1, CHARLOTTE
Census Block Group1
Census Block1018
Census Tract1100

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic DistrictWithin 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.

Owner

2425 Bay St is owned and occupied by an individual who bought it in January 2021.

Source: Mecklenburg County records, as of May 24, 2023

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of RecordIndividual Name on File
Co-ownerCo-owner on File
Mailing Address2425 BAY ST, CHARLOTTE, NC 28205-6101
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJan 14, 2021 · Amount on File
Deed SaleJan 14, 2021 · Amount on File
Prior SaleAug 10, 2015 · Amount on File
Deed Document Number0035550794
Deed Book / Page35550 / 794
Record UpdatedJun 7, 2026

January 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMECKLENBURG NC
Recording DateJan 14, 2021
Property Address2425 BAY ST, CHARLOTTE, NC 28205-6101
Document Number0000008085
Book / Page35550 / 794
Map ReferenceMB 5 PG 217
Instrument DateJan 14, 2021
Instrument2021008085
Transaction TypeTransfer
Record UpdatedJun 15, 2021

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$840.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2136 SHENANDOAH AVE, CHARLOTTE, NC 28205-6022

Mortgage

Document Number0000008086
DateJan 14, 2021
Instrument2021008086
Lender
NameUWHARRIE BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueFeb 1, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

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

Flood

FEMA maps place 2425 Bay St in Zone X, an area of minimal flood risk, though there have been 14 flood claims nearby since 1982.

Source: FEMA National Flood Hazard Layer, effective October 3, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 10 policies
Community Rating SystemClass 2 (40% premium discount)
Nearby Flood Policies10 in force
Nearby Flood Claims14 (1982–2011)
Claims Outside the SFHA8 of 14
Most Recent ClaimNov 2011 · other causes

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 2425 Bay St 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 RiskLow
lower than 98% of the US · lower than 99% of North Carolina
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemCHARLOTTE WATER
serves 1,206,285 people · EPA ID NC0160010
Water SourceSurface water
Last State InspectionJul 2025
LeadUnder 1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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