2805 Whiting Ave, Charlotte, NC 28205 Property Records

Mecklenburg County property record for 2805 Whiting Ave, Charlotte, NC 28205

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,222 sqft · built 1909
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on File
Last Sale	$289,000 (Mar 2010)
Tax Bill	$4,936 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Apr 2024 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`083-155-17`

Property Details

APN / Parcel Number

Primary APN	`083-155-17`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,222 sqft Living Area
1st Floor Area	1,704 sqft
Upper Floors Area	1,518 sqft
Basement Area	720 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1909
Effective Year Built	Effective 1970
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Raised
Roof Material	Slate
Lot Area	7,841 sqft (0.18 acres)
Porch	Slab
Porch Area	306 sqft
Deck Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	2805 WHITING AVE
City	CHARLOTTE
State	NC
Zip	28205-1693
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	UR-2(CD)
Legal Description	L1 M51-402
Legal Subdivision	JASPER K & FRANK R HAND PARK
Legal Block	5
Legal Lot Number	1
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	2
Census Block	2037
Census Tract	1400

Owner

2805 Whiting Ave is owned and occupied by two individuals who bought it in March 2010.

Source: Mecklenburg County records, as of July 22, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2805 WHITING AVE, CHARLOTTE, NC 28205-1693
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
Oct 16, 2025	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Apr 15, 2024	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Oct 9, 2019	Loan Modification, Mortgage · Conventional Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 5, 2010 · Amount on File
Deed Sale	Mar 5, 2010 · Amount on File
Deed Document Number	201025635
Deed Book / Page	25462 / 357
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	2805 WHITING AVE, CHARLOTTE, NC 28205-1693
Transaction Type	Mortgage
Record Updated	May 22, 2026
Title Company	ROCKET CLOSE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2805 WHITING AVE, CHARLOTTE, NC 28205-1693

Mortgage

Document Number	0000105954
Date	Oct 16, 2025
Book Page	39935/198
Instrument	2025105954

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	2805 WHITING AVE, CHARLOTTE, NC 28205-1693
Transaction Type	Mortgage
Record Updated	May 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000033381
Date	Apr 15, 2024
Book Page	38752/811
Instrument	2024033381

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	650 S TRYON ST # 88, CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	May 6, 2054

Interest

Change Frequency	Monthly

October 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MECKLENBURG NC
Property Address	2805 WHITING AVE, CHARLOTTE, NC 28205-1693
Document Number	0000143490
Instrument Date	Oct 9, 2019
Transaction Type	Mortgage
Record Updated	Nov 12, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2805 WHITING AVE CHARLOTTE NC 282051693, CHARLOTTE, NC 28205-1693

Mortgage

Document Number	0000143490
Date	Oct 24, 2019
Book Page	033971/000127
Instrument	143490

Lender

Name	PENNYMAC
Address	MOORPARK, CA 93021

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 23, 2049

Interest

Rate Type	Fixed Rate
Rate	3.87%

Tax Assessment & Valuation

The 2025 property tax bill for 2805 Whiting Ave was $4,936.

Source: Mecklenburg County assessment roll, as of September 9, 2025

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
2025	$4,936.00	$621,000 Land $292,500 Building $328,500	$621,000 Land $292,500 Building $328,500

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

Flood

FEMA maps place 2805 Whiting 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 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	1 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 2805 Whiting 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 Risk	Low lower than 99.1% of the US · lower than 99.5% 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.

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 500 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, 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	1,000 / 75
T-Mobile Fixed Wireless	100 / 20

May also be available: Google Fiber.

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