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2539 Irwin Stream Rd, Charlotte, NC 28208 Property Records

Mecklenburg County property record for 2539 Irwin Stream Rd, Charlotte, NC 28208

Property Summary

Property TypeTownhouse
Details3 bd · 4 ba · 2,107 sqft · built 2020
Lot Size0.029 acres (1,293 sqft)
OwnerIndividual Name on File
Last Sale$512,500 (Jun 2021)
Tax Bill$5,933 (2023)
Deeds & MortgagesJun 2024 Line of Credit
Jun 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN067-022-20

Property Details

APN / Parcel Number

Primary APN067-022-20

Interior

Bedrooms3 Beds
Full Baths4 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,107 sqft Heated Area

Exterior

Year BuiltBuilt 2020
Exterior MaterialAluminum/Vinyl
Foundation TypeSlab (Mat/Raft)
Lot Area1,293 sqft (0.029 acres)

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air
Heating FuelGas

Location & Zoning

Old Parcel Number067-022-20
Street Address2539 IRWIN STREAM RD
CityCHARLOTTE
StateNC
Zip28208-5586
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Townhouse
Local Zoning CodeMUDD(CD)
Legal DescriptionL18 M64-454
Legal Lot Number18
JurisdictionMECKLENBURG NC
Township / Civil Division1, CHARLOTTE
Census Block Group1
Census Block1017
Census Tract4101

Owner

2539 Irwin Stream Rd, a townhouse, is owned and occupied by an individual who bought it in June 2021.

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

Owner of RecordIndividual Name on File
Mailing Address2539 IRWIN STREAM RD, CHARLOTTE, NC 28208-5586
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
Jun 3, 2024Deed of Trust, Mortgage · Line of Credit
CITIZENS BANK NA
Jun 17, 2021Special Warranty Deed, Transfer · Conventional Mortgage
ATLANTIC BAY MORTGAGE GROUP LLC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJun 17, 2021 · Amount on File
Deed SaleJun 17, 2021 · Amount on File
Deed Document Number0036195564
Deed Book / Page36195 / 564
Record UpdatedSep 20, 2026

June 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMECKLENBURG NC
Property Address2539 IRWIN STREAM RD, CHARLOTTE, NC 28208-5586
Transaction TypeMortgage
Record UpdatedMay 22, 2026
Title CompanyACCURATE GROUP, ACCURATE GROUP LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address2539 IRWIN STREAM RD, CHARLOTTE, NC 28208-5586

Mortgage

Document Number0000050522
DateJun 3, 2024
Book Page38855/395
Instrument2024050522
Lender
NameCITIZENS BANK NA
TypeBank
AddressPROVIDENCE, RI 02903
Agreement
TypeLine of Credit
AmountAmount on Record
Term299 Months
DueMay 14, 2049
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

June 2021: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionMECKLENBURG NC
Recording DateJun 17, 2021
Property Address2539 IRWIN STREAM RD, CHARLOTTE, NC 28208-5586
Document Number0000118888
Book / Page36195 / 564
Map ReferenceMB 64 PG 454
Instrument DateJun 14, 2021
Instrument2021118888
Transaction TypeTransfer
Record UpdatedMay 22, 2026

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,025.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2550 W TYVOLA RD # RD100, RD100, CHARLOTTE, NC 28217-4574

Transferred To (Grantee/Buyer)

NameVerified Name
Address2539 IRWIN STREAM RD, CHARLOTTE, NC 28208-5586

Mortgage

Document Number0000118889
DateJun 17, 2021
Instrument2021118889
Lender
NameATLANTIC BAY MORTGAGE GROUP LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueJul 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 2539 Irwin Stream Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2020.

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
Community Rating SystemClass 2 (40% premium discount)
Nearby Flood Policies8 in force
Nearby Flood Claims3 (2020–2023)
Most Recent ClaimJul 2023 · rainfall accumulation

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

The area around 2539 Irwin Stream Rd has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskNot rated
no burnable land within 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 322 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000
T-Mobile
Fixed Wireless		100 / 20
AT&T
Fixed Wireless · Fiber in parts of the area		100 / 20

May also be available: Google Fiber, Verizon.

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