2556 Howerton Ct, Charlotte, NC 28270 Property Records

Mecklenburg County property record for 2556 Howerton Ct, Charlotte, NC 28270

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 4,143 sqft · built 1989
Lot Size	0.871 acres (37,978 sqft)
Owner	Individual Name on File
Last Sale	$642,500 (Jan 2019)
Tax Bill	$8,634 (2023)
Deeds & Mortgages	Jan 2022 Line of Credit Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`227-263-33`

Property Details

APN / Parcel Number

Primary APN	`227-263-33`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	4,143 sqft Heated Area
Gross Area	4,680 sqft
1st Floor Area	2,187 sqft
Upper Floors Area	1,956 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Architectural Style	Other
Exterior Material	Brick Veneer
Foundation Type	Raised
Roof Material	Wood
Lot Area	37,978 sqft (0.871 acres)
Garage Area	537 sqft
Patio Area	656 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	227-263-33
Street Address	2556 HOWERTON CT
City	CHARLOTTE
State	NC
Zip	28270-9511
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	L11 &P12 M22-273
Legal Subdivision	HEMBSTEAD PH 04
Legal Lot Number	11
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	1
Census Block	1008
Census Tract	5832

Owner

2556 Howerton Ct is owned and occupied by an individual who bought it in January 2019.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2556 HOWERTON CT, CHARLOTTE, NC 28270-9511
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
Jan 18, 2022	Deed of Trust, Mortgage · Line of Credit SOUTH STATE BANK NA
Aug 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jan 10, 2019	Warranty Deed, Transfer · ARM PNC BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 10, 2019 · Amount on File
Deed Sale	Jan 10, 2019 · Amount on File
Prior Sale	Sep 27, 2011 · Amount on File
Deed Document Number	0033219156
Deed Book / Page	33219 / 156
Record Updated	Jun 7, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	2556 HOWERTON CT, CHARLOTTE, NC 28270-9511
Transaction Type	Mortgage
Record Updated	May 25, 2023
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2556 HOWERTON CT, CHARLOTTE, NC 28270-9511

Mortgage

Document Number	0000008880
Date	Jan 18, 2022
Book Page	36975/970
Instrument	2022008880

Lender

Name	SOUTH STATE BANK NA
Type	Bank
Address	CHARLESTON, SC 29423

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	2556 HOWERTON CT, CHARLOTTE, NC 28270-9511
Document Number	0000122023
Instrument Date	Aug 4, 2020
Transaction Type	Mortgage
Record Updated	Aug 28, 2020
Title Company	SERVICELINK EAST ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	2556 BOWBRTON CT CHARLOTTE NC 28270, CHARLOTTE, NC 28270

Mortgage

Document Number	0000122023
Date	Aug 6, 2020
Book Page	034898/000646
Instrument	122023

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 5, 2050

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Jan 10, 2019
Property Address	2556 HOWERTON CT, CHARLOTTE, NC 28270-9511
Document Number	0000003051
Book / Page	33219 / 156
Map Reference	MB 22 PG 273
Instrument Date	Jan 10, 2019
Instrument	2019003051
Transaction Type	Transfer
Record Updated	Jun 15, 2021
Title Company	BARRISTERS TITLE SVCS OF THE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,285.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	556 MEDEARIS DR, 556, CHARLOTTE, NC 28211-6065

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2556 HOWERTON CT, CHARLOTTE, NC 28270-9511

Mortgage

Document Number	0000003052
Date	Jan 10, 2019
Instrument	2019003052

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Feb 1, 2026
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	9%
Index	1-Year LIBOR
Max Rate	9%

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)

Flood

FEMA maps place 2556 Howerton Ct in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2008.

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
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	8 in force
Nearby Flood Claims	5 (2008–2018)
Claims Outside the SFHA	3 of 5
Most Recent Claim	Sep 2018 · Hurricane Florence
Claims by Event	Hurricane Florence, Sep 2018 · 2 claims

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 2556 Howerton Ct is low, with a 0.02% 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	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 337 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · 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	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Google Fiber.

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