Mecklenburg County property record for 2605 E 5th St, Charlotte, NC 28204
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.5 ba · 3,349 sqft · built 1930 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $575,000 (Jun 2011) |
| Tax Bill | $9,169 (2024) |
| Deeds & Mortgages | Aug 2023 Line of Credit Sep 2022 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 127-131-13 |
| Primary APN | 127-131-13 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,349 sqft Living Area |
| 1st Floor Area | 1,839 sqft |
| Upper Floors Area | 1,302 sqft |
| Basement Area | 588 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Brick |
| Construction Type | Frame |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 7,841 sqft (0.18 acres) |
| Garage Area | 270 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 536 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 2605 E 5TH ST |
|---|---|
| City | CHARLOTTE |
| State | NC |
| Zip | 28204-4344 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-22MF |
| Legal Description | L17 B17 M3-126 |
| Legal Subdivision | ROSEMONT |
| Legal Block | 17 |
| Legal Lot Number | 17 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 1, CHARLOTTE |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 2400 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within 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.
2605 E 5th St is owned and occupied by two individuals who bought it in June 2011.
Source: Mecklenburg County records, as of March 30, 2026
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 Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2605 E 5TH ST, CHARLOTTE, NC 28204-4344 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 18, 2023 | Deed of Trust, Mortgage · Line of Credit TOWNEBANK |
| Sep 20, 2022 | Deed of Trust, Mortgage · Line of Credit COGENT BANK |
| Feb 26, 2020 | Deed of Trust, Mortgage · Conventional Mortgage SYNERGY ONE LENDING |
| Feb 26, 2020 | Deed of Trust, Mortgage · Line of Credit TCF NATIONAL BANK |
| Dec 18, 2020 | Deed of Trust, Mortgage · Conventional Mortgage HIGHLANDS RESIDENTIAL MORTGAGE LTD |
| Dec 18, 2020 | Deed of Trust, Mortgage · Line of Credit COGENT BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 30, 2011 · Amount on File |
| Deed Sale | Jun 30, 2011 · Amount on File |
| Prior Sale | Sep 13, 2010 · Amount on File |
| Deed Document Number | 201173493 |
| Deed Book / Page | 26578 / 481 |
| Prior Transfer Date | Mar 17, 2007 |
| Prior Transfer Doc | 0000047826 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 2605 E 5TH ST, CHARLOTTE, NC 28204-4344 |
| Transaction Type | Mortgage |
| Record Updated | Aug 28, 2023 |
| Title Company | CORPORATE SETTLEMENTS, CORPORATE SETTLEMENT SLN |
| Name | Verified Name |
|---|---|
| Address | 2605 E 5TH ST, CHARLOTTE, NC 28204-4344 |
| Document Number | 0000079112 |
|---|---|
| Date | Aug 18, 2023 |
| Book Page | 38319/647 |
| Instrument | 2023079112 |
| Name | TOWNEBANK |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28207 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 420 Months |
| Due | Aug 4, 2058 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 2605 E 5TH ST, CHARLOTTE, NC 28204-4344 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2023 |
| Name | Verified Name |
|---|---|
| Address | 2605 E 5TH ST, CHARLOTTE, NC 28204-4344 |
| Document Number | 0000132819 |
|---|---|
| Date | Sep 20, 2022 |
| Book Page | 37656/126 |
| Instrument | 2022132819 |
| Name | COGENT BANK |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28210 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 238 Months |
| Due | Jul 22, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 2605 E 5TH ST, CHARLOTTE, NC 28204-4344 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000027028 |
|---|---|
| Date | Feb 26, 2020 |
| Book Page | 34317/261 |
| Instrument | 2020027028 |
| Name | SYNERGY ONE LENDING |
|---|---|
| Type | Lending Institution |
| Address | LOMBARD, IL 60148 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 2605 E 5TH ST, CHARLOTTE, NC 28204-4344 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000027029 |
|---|---|
| Date | Feb 26, 2020 |
| Book Page | 34317/271 |
| Instrument | 2020027029 |
| Name | TCF NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57106 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 23, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 2605 E 5TH ST, CHARLOTTE, NC 28204-4344 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000215767 |
|---|---|
| Date | Dec 18, 2020 |
| Book Page | 35453/765 |
| Instrument | 2020215767 |
| Name | HIGHLANDS RESIDENTIAL MORTGAGE LTD |
|---|---|
| Type | Mortgage Company |
| Address | DALLAS, TX 75243 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 2605 E 5TH ST, CHARLOTTE, NC 28204-4344 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2022 |
| Name | Verified Name |
|---|---|
| Address | 2605 EA 5TH ST, CHARLOTTE, NC 28204 |
| Document Number | 0000215768 |
|---|---|
| Date | Dec 18, 2020 |
| Book Page | 35453/775 |
| Instrument | 2020215768 |
| Name | COGENT BANK |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28210 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 22 Months |
| Due | Oct 4, 2022 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Mecklenburg County assessment roll, as of September 9, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mecklenburg County |
| Municipality | Charlotte City |
| Unified School District | Charlotte-Mecklenburg Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,190,700 Land $550,000 Building $640,700 | $1,190,700 Land $550,000 Building $640,700 | |
| 2024 | $9,169.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2605 E 5th St 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 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 | 2 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 risk around 2605 E 5th 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 Risk | Low lower than 99.8% of the US · lower than 99.9% of North Carolina |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 467 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 1,000 / 75 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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