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2838 Florida Ave, Charlotte, NC 28205 Property Records

Mecklenburg County property record for 2838 Florida Ave, Charlotte, NC 28205

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 1,342 sqft · built 1949
Lot Size0.413 acres (18,008 sqft)
Owner2 Individual Names on File
Last Sale$1,000 (Nov 2016)
Tax Bill$7,463 (2023)
Deeds & MortgagesApr 2021 Mortgage
Oct 2017 Mortgage
Flood ZoneZone X (minimal risk)
APN095-015-07

Property Details

APN / Parcel Number

Primary APN095-015-07

Interior

Bedrooms3 Beds
Full Baths3 Baths
Stories1 Story
Building Area1,342 sqft Heated Area
Gross Area889 sqft
1st Floor Area757 sqft
FireplaceFireplace

Exterior

Year BuiltBuilt 1949
Architectural StyleOther
Exterior MaterialWood Siding
Foundation TypeRaised
Lot Area18,008 sqft (0.413 acres)

Exterior Amenities

PorchPorch
Porch Area132 sqft
Patio Area12 sqft
Total Buildings2 Buildings

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air
Heating FuelGas

Location & Zoning

Old Parcel Number095-015-07
Street Address2838 FLORIDA AVE
CityCHARLOTTE
StateNC
Zip28205-2510
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR5
Legal DescriptionM70-71
Legal SubdivisionDIXIE MANOR DEV MAP
Legal Block7
Legal Lot Number13
JurisdictionMECKLENBURG NC
Township / Civil Division1, CHARLOTTE
Census Block Group3
Census Block3022
Census Tract1200

Owner

2838 Florida Ave is owned and occupied by two individuals who bought it in November 2016.

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

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 Record2 Individual Names on File
Mailing Address2838 FLORIDA AVE, CHARLOTTE, NC 28205-2510
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Apr 14, 2021Deed of Trust, Mortgage · Conventional Mortgage
ACOPIA LLC
Oct 2, 2017Deed of Trust, Mortgage
TRULIANT FCU

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 1, 2016 · Amount on File
Deed SaleNov 1, 2016 · Amount on File
Prior SaleNov 19, 2010
Deed Document Number2016149079
Record UpdatedJun 7, 2026

April 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMECKLENBURG NC
Property Address2838 FLORIDA AVE, CHARLOTTE, NC 28205-2510
Transaction TypeMortgage
Record UpdatedMay 25, 2023

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000073525
DateApr 14, 2021
Book Page35936/76
Instrument2021073525
Lender
NameACOPIA LLC
TypeMortgage Company
AddressGOODLETTSVILLE, TN 37072
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueMay 1, 2051

October 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMECKLENBURG NC
Property Address2838 FLORIDA AVE, CHARLOTTE, NC 28205-2510
Transaction TypeMortgage
Record UpdatedJun 22, 2021
Title CompanyFIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000133748
DateOct 2, 2017
Book Page32167/830
Instrument2017133748
Lender
NameTRULIANT FCU
TypeCredit Union
AddressWINSTON SALEM, NC 27103
Agreement
AmountAmount on Record
Term240 Months
DueOct 2, 2037

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 2838 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 16 policies
Community Rating SystemClass 2 (40% premium discount)
Nearby Flood Policies16 in force
Nearby Flood Claims30 (1979–2021)
Claims Outside the SFHA6 of 30
Most Recent ClaimMar 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 2838 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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