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2440 Vail Ave, Charlotte, NC 28207 Property Records

Mecklenburg County property record for 2440 Vail Ave, Charlotte, NC 28207

Property Summary

Property TypeTownhouse
Details3 bd · 4 ba · 3,201 sqft · built 2018
Lot Size0.069 acres (3,015 sqft)
OwnerIndividual Name on File
Last Sale$1,125,000 (Aug 2022)
Tax Bill$10,658 (2023)
Deeds & MortgagesDec 2025 Sale & Mortgage
Aug 2022 Sale & Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN127-113-61

Property Details

APN / Parcel Number

Primary APN127-113-61

Interior

Bedrooms3 Beds
Full Baths4 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area3,201 sqft Heated Area
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2018
Exterior MaterialStucco
Foundation TypeSlab (Mat/Raft)
Lot Area3,015 sqft (0.069 acres)

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air
Heating FuelGas

Location & Zoning

Old Parcel Number127-113-61
Street Address2440 VAIL AVE
CityCHARLOTTE
StateNC
Zip28207-1936
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Townhouse
Local Zoning CodeR-22MF
Legal DescriptionL7 M63-545
Legal Lot Number7
JurisdictionMECKLENBURG NC
Township / Civil Division1, CHARLOTTE
Census Block Group2
Census Block2009
Census Tract2400

Owner

2440 Vail Ave, a townhouse, is owned and occupied by an individual who bought it in August 2022.

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

Owner of RecordIndividual Name on File
Mailing Address2440 VAIL AVE, CHARLOTTE, NC 28207-1936
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
Dec 29, 2025Warranty Deed, Transfer · Conventional Mortgage
BANK OF AMERICA NA
Aug 29, 2022Warranty Deed, Transfer · Conventional Mortgage
WELLS FARGO BANK NA
Jan 12, 2021Warranty Deed, Transfer · Conventional Mortgage
ANGEL OAK HOME LOANS LLC
Jan 9, 2017Grant Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 29, 2022 · Amount on File
Deed SaleAug 29, 2022 · Amount on File
Prior SaleJan 12, 2021 · Amount on File
Deed Document Number0037604374
Deed Book / Page37604 / 374
Record UpdatedJun 7, 2026

December 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMECKLENBURG NC
Recording DateDec 29, 2025
Property Address2440 VAIL AVE, CHARLOTTE, NC 28207-1936
Document Number0000133290
Book / Page40103 / 560
Map ReferenceMB 76 PG 682
Instrument DateDec 29, 2025
Instrument2025133290
Transaction TypeTransfer
Record UpdatedJun 9, 2026
Title CompanyCHICAGO TITLE INSURANCE

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$4,450.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2440 VAIL AVE, CHARLOTTE, NC 28207-1936

Transferred To (Grantee/Buyer)

NameVerified Name
Address2720 SELWYN AVE, CHARLOTTE, NC 28209-1704

Mortgage

Document Number0000133291
DateDec 29, 2025
Book Page40103/562
Instrument2025133291
Lender
NameBANK OF AMERICA NA
TypeBank
AddressCHARLOTTE, NC 28255
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueJan 1, 2056
Interest
Rate TypeAdjustable Rate
Rate4.87%
Type Change DateJan 1, 2033
Change Frequency6 Months
Min Rate At Change2.75%
Max Rate At Change9.87%
IndexSOFR Average 30-Day
Max Rate9.87%

August 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMECKLENBURG NC
Recording DateAug 29, 2022
Property Address2440 VAIL AVE, CHARLOTTE, NC 28207-1936
Document Number0000123456
Book / Page37604 / 374
Map ReferenceMB 63 PG 545
Instrument DateAug 29, 2022
Instrument2022123456
Transaction TypeTransfer
Record UpdatedMay 25, 2023
Title CompanyFOREHAND TITLE COMPANY, MOREHEAD TITLE COMPANY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,250.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3352 COUNTRY CLUB RD, WINSTON SALEM, NC 27104-1834

Transferred To (Grantee/Buyer)

NameVerified Name
Address2440 VAIL AVE, CHARLOTTE, NC 28207-1936

Mortgage

Document Number0000123457
DateAug 29, 2022
Instrument2022123457
Lender
NameWELLS FARGO BANK NA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueSep 1, 2052

January 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMECKLENBURG NC
Recording DateJan 12, 2021
Property Address2440 VAIL AVE, CHARLOTTE, NC 28207-1936
Document Number0000006268
Book / Page35539 / 977
Map ReferenceMB 63 PG 545
Instrument DateJan 12, 2021
Instrument2021006268
Transaction TypeTransfer
Record UpdatedMay 25, 2023
Title CompanyFOREHAND TITLE COMPANY, MOREHEAD TITLE COMPANY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,970.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address6101 CARNEGIE BLVD STE 180, 180, CHARLOTTE, NC 28209-4609

Transferred To (Grantee/Buyer)

NameVerified Name
Address2440 VAIL AVE, CHARLOTTE, NC 28207-1936

Mortgage

Document Number0000006269
DateJan 12, 2021
Instrument2021006269
Lender
NameANGEL OAK HOME LOANS LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueFeb 1, 2051

January 2017: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionMECKLENBURG NC
Recording DateJan 9, 2017
Property Address2440 VAIL AVE, CHARLOTTE, NC 28207-1936
Document Number0000002835
Book / Page031485 / 000567
Instrument DateJan 9, 2017
Instrument2835
Transaction TypeTransfer
Record UpdatedNov 12, 2020
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
Tax$9,500.00
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address6101 CARNEGIE BLVD #180 CHARLOTTE NC 282094609, 180, CHARLOTTE, NC 28209-4609
InvestorPossibly a Property Investor

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 2440 Vail 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 21 policies
Community Rating SystemClass 2 (40% premium discount)
Nearby Flood Policies21 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 2440 Vail 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 RiskLow
lower than 99.1% of the US · lower than 99.5% 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 332 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · DSL · Fixed Wireless 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
Starlink
Satellite		280 / 30
T-Mobile
Fixed Wireless		100 / 20

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