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2807 Florida Ave, Charlotte, NC 28205 Property Records

Mecklenburg County property record for 2807 Florida Ave, Charlotte, NC 28205

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 740 sqft · built 1949
Lot Size0.212 acres (9,244 sqft)
OwnerIndividual Name on File
Last Sale$39,000 (Jun 1993)
Tax Bill$3,774 (2023)
Deeds & MortgagesJun 2025 Sale & Mortgage
May 2024 Sale & Second Mortgage
Flood ZoneZone X (minimal risk)
APN095-014-05

Property Details

APN / Parcel Number

Primary APN095-014-05

Interior

Bedrooms2 Beds
Full Baths1 Bath
Stories1 Story
Building Area740 sqft Heated Area
1st Floor Area740 sqft
FireplaceFireplace

Exterior

Year BuiltBuilt 1949
Architectural StyleOther
Exterior MaterialComposition/Composite
Foundation TypeRaised
Roof MaterialAsphalt
Lot Area9,244 sqft (0.212 acres)
Garage Area288 sqft
Deck Area180 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air
Heating FuelGas

Location & Zoning

Old Parcel Number095-014-05
Street Address2807 FLORIDA AVE
CityCHARLOTTE
StateNC
Zip28205-2509
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-5
Legal DescriptionL22 B6 M6-116
Legal SubdivisionDIXIE MANOR
Legal Block6
Legal Lot Number22
JurisdictionMECKLENBURG NC
Township / Civil Division1, CHARLOTTE
Census Block Group3
Census Block3014
Census Tract1300

Owner

2807 Florida Ave is owned and occupied by an individual who bought it in June 1993.

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

Owner of RecordIndividual Name on File
Mailing Address2807 FLORIDA AVE, CHARLOTTE, NC 28205-2509
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 25, 2025Warranty Deed, Transfer · Conventional Mortgage
JPMORGAN CHASE BANK NA
May 17, 2024Warranty Deed, Transfer · Stand-Alone Second Mortgage
TERRAPIN CREEK LLC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJun 11, 1993 · Amount on File
Deed SaleJun 11, 1993 · Amount on File
Deed Document Number0007336216
Deed Book / Page7336 / 216
Record UpdatedSep 20, 2026

June 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMECKLENBURG NC
Recording DateJun 25, 2025
Property Address2807 FLORIDA AVE, CHARLOTTE, NC 28205-2509
Document Number0000062863
Book / Page39677 / 808
Map ReferenceMB 6 PG 116
Instrument DateJun 25, 2025
Instrument2025062863
Transaction TypeTransfer
Record UpdatedMay 22, 2026
Title CompanyNH TITLE GROUP

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,192.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2701 PHILLIPS AVE, CHARLOTTE, NC 28208-7029

Transferred To (Grantee/Buyer)

NameVerified Name
Address2807 FLORIDA AVE, CHARLOTTE, NC 28205-2509

Mortgage

Document Number0000062864
DateJun 25, 2025
Instrument2025062864
Lender
NameJPMORGAN CHASE BANK NA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueJul 1, 2055
Interest
Rate TypeAdjustable Rate
Rate5.86%
Type Change DateJul 1, 2032
Change Frequency6 Months
Min Rate At Change2.75%
Max Rate At Change10.8%
IndexSOFR Average 30-Day
Max Rate10.8%

May 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMECKLENBURG NC
Recording DateMay 17, 2024
Property Address2807 FLORIDA AVE, CHARLOTTE, NC 28205-2509
Document Number0000045734
Book / Page38826 / 106
Map ReferenceMB 6 PG 116
Instrument DateMay 17, 2024
Instrument2024045734
Transaction TypeTransfer
Record UpdatedMay 22, 2026
Title CompanyCHICAGO TITLE COMPANY, CHICAGO TITLE COMPANY LLC

Transaction

AmountAmount on Record
Tax$1,020.00
Amount AccuracyRounded by County
Additional
  • Notice of Trustee Sale
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
AddressGENERAL DELIVERY, PLYMOUTH, NC 27962-9999

Transferred To (Grantee/Buyer)

NameVerified Name
Address3109 REVOLUTION PARK DR, CHARLOTTE, NC 28217-1113

Mortgage

Document Number0000045735
DateMay 17, 2024
Instrument2024045735
Lender
NameTERRAPIN CREEK LLC
TypeNon-Lending Institution
Agreement
TypeStand-Alone Second Mortgage
AmountAmount on Record
Term18 Months
DueNov 13, 2025

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 2807 Florida 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 2 (40% premium discount)
Nearby Flood Policies1 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 2807 Florida Ave is low, with a 0.02% annual chance of wildfire.

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

Wildfire RiskLow
lower than 96% of the US · lower than 97.9% of North Carolina
Wildfire Likelihood0.02% annual chance
ExposureNone
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 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 386 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · DSL		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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