2917 Simmon Tree Rd, Charlotte, NC 28270 Property Records

Mecklenburg County property record for 2917 Simmon Tree Rd, Charlotte, NC 28270

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,739 sqft · built 1976
Lot Size	0.83 acres (36,179 sqft)
Owner	Individual Name on File
Last Sale	$718,000 (Jun 2023)
Tax Bill	$6,845 (2023)
Deeds & Mortgages	Jan 2026 Mortgage Jun 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`227-108-06`

Property Details

APN / Parcel Number

Primary APN	`227-108-06`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,739 sqft Heated Area
Gross Area	3,810 sqft
1st Floor Area	2,739 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Architectural Style	Other
Exterior Material	Brick Veneer
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	36,179 sqft (0.83 acres)
Garage Area	600 sqft

Exterior Amenities

Pool Type	Vinyl-Lined Pool
Pool Area	288 sqft
Porch	Porch
Porch Area	415 sqft
Deck Area	322 sqft
Patio Area	358 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Old Parcel Number	227-108-06
Street Address	2917 SIMMON TREE RD
City	CHARLOTTE
State	NC
Zip	28270-0660
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	L6 B4B M17-367
Legal Subdivision	PROVIDENCE PLANTATION SEC
Legal Block	4B
Legal Lot Number	6
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	2
Census Block	2004
Census Tract	5848

Owner

2917 Simmon Tree Rd is owned and occupied by an individual who bought it in June 2023.

Source: Mecklenburg County records, as of July 10, 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 Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2917 SIMMON TREE RD, CHARLOTTE, NC 28270-0660
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 29, 2026	Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP
Jun 29, 2023	Warranty Deed, Transfer · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP
Nov 25, 2019	Deed of Trust, Mortgage · Line of Credit PNC BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 29, 2023 · Amount on File
Deed Sale	Jun 29, 2023 · Amount on File
Prior Sale	Mar 31, 2004 · Amount on File
Deed Document Number	2023061504
Deed Book / Page	38220 / 35
Record Updated	Jun 7, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	2917 SIMMON TREE RD, CHARLOTTE, NC 28270-0660
Transaction Type	Mortgage
Record Updated	Feb 5, 2026
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN STLMT SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2917 SIMMON TREE RD, CHARLOTTE, NC 28270-0660

Mortgage

Document Number	0000008810
Date	Jan 29, 2026
Book Page	40163/524
Instrument	2026008810

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company
Address	SANTA ROSA, CA 95401

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Jun 29, 2023
Property Address	2917 SIMMON TREE RD, CHARLOTTE, NC 28270-0660
Document Number	0000061504
Book / Page	38220 / 35
Map Reference	MB 17 PG 367
Instrument Date	Jun 20, 2023
Instrument	2023061504
Transaction Type	Transfer
Record Updated	Jul 11, 2023
Title Company	CARDINAL TITLE CENTER LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,436.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3121 LUCY SHORT CUT RD, MARSHVILLE, NC 28103-9086

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2917 SIMMON TREE RD, CHARLOTTE, NC 28270-0660

Mortgage

Document Number	0000061505
Date	Jun 29, 2023
Instrument	2023061505

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	2917 SIMMON TREE RD, CHARLOTTE, NC 28270-0660
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000160867
Date	Nov 25, 2019
Book Page	34067/008
Instrument	2019160867

Lender

Name	PNC BANK NA
Type	Bank
Address	PITTSBURGH, PA 15222

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$6,845.00	$709,390 Land $332,500 Building $376,890	$709,390 Land $332,500 Building $376,890

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

Flood

FEMA maps place 2917 Simmon Tree Rd in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2018.

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	3 in force
Nearby Flood Claims	4 (2018–2025)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Aug 2025 · rainfall accumulation
Claims by Event	Hurricane Florence, Sep 2018 · 2 claims

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 2917 Simmon Tree Rd is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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	LAMPLIGHTER SOUTH-DANBY private · serves 3,297 people · EPA ID NC0160156
Water Source	Purchased surface water from LANCASTER COUNTY W&SD
Last State Inspection	Sep 2025
Also Mapped Here	CHARLOTTE WATER
Lead	Under 1 ppb (2026–2028) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 135 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
Windstream DSL	100 / 20

May also be available: AT&T, Google Fiber.

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