2529 E Providence Dr, Charlotte, NC 28270 Property Records

Mecklenburg County property record for 2529 E Providence Dr, Charlotte, NC 28270

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 3,864 sqft · built 1980
Lot Size	1.3 acres (57,020 sqft)
Owner	Individual Name on File
Last Sale	$929,000 (Aug 2023)
Tax Bill	$6,608 (2023)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Jul 2021 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`231-094-10`

Property Details

APN / Parcel Number

Primary APN	`231-094-10`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	3,864 sqft Heated Area
Gross Area	4,382 sqft
1st Floor Area	2,415 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Architectural Style	Ranch
Exterior Material	Brick Veneer
Foundation Type	Raised
Roof Material	Tar & Gravel
Lot Area	57,020 sqft (1.3 acres)
Garage Area	462 sqft

Exterior Amenities

Porch	Porch
Porch Area	56 sqft
Deck Area	630 sqft
Patio Area	830 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Old Parcel Number	231-094-10
Street Address	2529 E PROVIDENCE DR
City	CHARLOTTE
State	NC
Zip	28270-0254
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	L11 B2 M9-357
Legal Subdivision	EAST PROVIDENCE ESTATES
Legal Block	2
Legal Lot Number	11
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	2
Census Block	2009
Census Tract	5851

Owner

2529 E Providence Dr is owned and occupied by an individual who bought it in August 2023.

Source: Mecklenburg County records, as of August 23, 2023

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2529 E PROVIDENCE DR, CHARLOTTE, NC 28270-0254
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
Aug 16, 2023	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA
Jul 19, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Oct 29, 2019	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Sep 19, 2017	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 16, 2023 · Amount on File
Deed Sale	Aug 16, 2023 · Amount on File
Prior Sale	Sep 19, 2017 · Amount on File
Deed Document Number	2023078166
Deed Book / Page	38314 / 959
Record Updated	Jun 7, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Aug 16, 2023
Property Address	2529 E PROVIDENCE DR, CHARLOTTE, NC 28270-0254
Document Number	0000078166
Book / Page	38314 / 959
Map Reference	MB 9 PG 357
Instrument Date	Aug 15, 2023
Instrument	2023078166
Transaction Type	Transfer
Record Updated	Aug 24, 2023
Title Company	BARRISTERS TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,858.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6300 COOPERS GREEN CT, ORLANDO, FL 32819-4660

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2529 EAST PROVIDENCE DR, CHARLOTTE, NC 28270-0254

Mortgage

Document Number	0000078167
Date	Aug 16, 2023
Instrument	2023078167

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6%
Type Change Date	Sep 1, 2030
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	11%
Max Rate	11%

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	2529 E PROVIDENCE DR, CHARLOTTE, NC 28270-0254
Transaction Type	Mortgage
Record Updated	May 25, 2023
Title Company	SERVICELINK PITTSBURGH

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000138504
Date	Jul 19, 2021
Book Page	36308/287
Instrument	2021138504

Lender

Name	DISCOVER BANK
Type	Bank
Address	NEW CASTLE, DE 19720

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jul 19, 2031

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	2529 E PROVIDENCE DR, CHARLOTTE, NC 28270-0254
Transaction Type	Mortgage
Record Updated	Jun 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000146210
Date	Oct 29, 2019
Book Page	33986/535
Instrument	2019146210

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Sep 19, 2017
Property Address	2529 E PROVIDENCE DR, CHARLOTTE, NC 28270-0254
Document Number	0000126670
Book / Page	32129 / 530
Map Reference	MB9 PG357
Instrument Date	Sep 18, 2017
Instrument	2017126670
Transaction Type	Transfer
Record Updated	Jun 15, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,150.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4417 BELLWOOD LN, 4417, CHARLOTTE, NC 28270-1216

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2529 E PROVIDENCE DR, CHARLOTTE, NC 28270-0254

Mortgage

Document Number	0000126671
Date	Sep 19, 2017
Instrument	2017126671

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2047

Tax Assessment & Valuation

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

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
2023	$6,608.00	$684,800 Land $165,000 Building $519,800	$684,800 Land $165,000 Building $519,800

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

Flood

FEMA maps place 2529 E Providence Dr in Zone X, an area of minimal flood risk.

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

Wildfire risk around 2529 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 Risk	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.03% annual chance
Exposure	Direct 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 System	UNION COUNTY WATER SYSTEM serves 169,685 people · EPA ID NC0190413
Water Source	Surface water
Last State Inspection	May 2026
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Mar 2020 Haloacetic acids resolved · Jul 2017
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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

Provider	Max 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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