2826 Florida Ave, Charlotte, NC 28205 Property Records

Mecklenburg County property record for 2826 Florida Ave, Charlotte, NC 28205

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,522 sqft · built 2016
Lot Size	0.229 acres (9,982 sqft)
Owner	Individual Name on File
Last Sale	$595,000 (Jan 2017)
Tax Bill	$7,406 (2023)
Deeds & Mortgages	Nov 2021 Mortgage Nov 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`095-015-10`

Property Details

APN / Parcel Number

Primary APN	`095-015-10`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,522 sqft Heated Area
Gross Area	3,088 sqft
1st Floor Area	616 sqft
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	9,982 sqft (0.229 acres)
Porch	Porch
Porch Area	114 sqft
Patio Area	12 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	095-015-10
Street Address	2826 FLORIDA AVE
City	CHARLOTTE
State	NC
Zip	28205-2510
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-5
Legal Description	L10 B7 M6-116
Legal Subdivision	DIXIE MANOR
Legal Block	7
Legal Lot Number	10
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	3
Census Block	3022
Census Tract	1200

Owner

2826 Florida Ave is owned and occupied by an individual who bought it in January 2017.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2826 FLORIDA AVE, CHARLOTTE, NC 28205-2510
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
Nov 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
Nov 28, 2022	Deed of Trust, Mortgage · Conventional Mortgage THIRD FSLA OF CLEVELAND
Oct 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jan 4, 2017	Warranty Deed, Subdivision Related Transfer · Line of Credit TD BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 4, 2017 · Amount on File
Deed Sale	Jan 4, 2017 · Amount on File
Prior Sale	Mar 19, 2015 · Amount on File
Deed Document Number	0031478440
Deed Book / Page	31478 / 440
Record Updated	Jun 7, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	2826 FLORIDA AVE, CHARLOTTE, NC 28205-2510
Transaction Type	Mortgage
Record Updated	May 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000225295
Date	Nov 29, 2021
Book Page	36812/341
Instrument	2021225295

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Dec 1, 2036

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	2826 FLORIDA AVE, CHARLOTTE, NC 28205-2510
Transaction Type	Mortgage
Record Updated	May 25, 2023
Title Company	TITLE365 - OMAHA, TITLE365 OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000157872
Date	Nov 28, 2022
Book Page	37793/782
Instrument	2022157872

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 25, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.99%
Type Change Date	Nov 25, 2027
Change Frequency	Annually
Min Rate At Change	3.99%
Max Rate At Change	7.99%
Index	Prime Rate
Max Rate	11.9%

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	2826 FLORIDA AVE, CHARLOTTE, NC 28205-2510
Transaction Type	Mortgage
Record Updated	Aug 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000181839
Date	Oct 30, 2020
Book Page	35255/119
Instrument	2020181839

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2035

January 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Jan 4, 2017
Property Address	2826 FLORIDA AVE, CHARLOTTE, NC 28205-2510
Document Number	0000001310
Book / Page	31478 / 440
Map Reference	MB6 PG116
Instrument Date	Dec 6, 2016
Instrument	2017001310
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 23, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,190.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3426 SPENCER ST, 3426, CHARLOTTE, NC 28205-1249

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2826 FLORIDA AVE, CHARLOTTE, NC 28205-2510

Mortgage

Document Number	0000001312
Date	Jan 4, 2017
Instrument	2017001312

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Mortgage

Document Number	0000001311
Date	Jan 4, 2017
Book Page	31478/442
Instrument	2017001311

Lender

Name	TD BANK NA
Type	Bank
Address	WILMINGTON, DE 19808

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2047

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 2826 Florida Ave in Zone X, an area of minimal flood risk, though there have been 30 flood claims nearby since 1979.

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
Flood Insurance Cost	Premium on File median of 16 policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	30 (1979–2021)
Claims Outside the SFHA	6 of 30
Most Recent Claim	Mar 2021 · 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

Wildfire risk around 2826 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 Risk	Low lower than 96% of the US · lower than 97.9% of North Carolina
Wildfire Likelihood	0.02% 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 386 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 · 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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