3000 Simmon Tree Rd, Charlotte, NC 28270 Property Records

Mecklenburg County property record for 3000 Simmon Tree Rd, Charlotte, NC 28270

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 5,315 sqft · built 1976
Lot Size	1.17 acres (50,965 sqft)
Owner	2 Individual Names on Record
Last Sale	$985,000 (Nov 2022)
Tax Bill	$8,437 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Feb 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`227-107-04`

Property Details

APN / Parcel Number

Primary APN	`227-107-04`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	5,509 sqft Living Area
Gross Area	6,061 sqft
1st Floor Area	3,546 sqft
Upper Floors Area	1,516 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 2010
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Raised
Roof Type	Gable
Roof Material	Other
Lot Area	50,965 sqft (1.17 acres)
Garage Type	Attached
Garage Area	552 sqft
Porch	Enclosed/Finished Porch
Porch Area	653 sqft
Patio Area	367 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Street Address	3000 SIMMON TREE RD
City	CHARLOTTE
State	NC
Zip	28270-0675
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	L3 B4E M17-319
Legal Subdivision	PROVIDENCE PLANTATION
Legal Block	4
Legal Lot Number	3
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	2
Census Block	2005
Census Tract	5848

Owner

Source: Mecklenburg County records, as of September 28, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3000 SIMMON TREE RD, CHARLOTTE, NC 28270-0675
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2026	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORPORATION
Feb 23, 2026	Deed of Trust, Mortgage · Commercial Mortgage POINT DIGITAL FINANCE INC
Nov 29, 2022	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 29, 2022 · Amount on Record
Deed Sale	Nov 29, 2022 · Amount on Record
Prior Sale	Jan 15, 1975
Deed Document Number	2022158304
Deed Book / Page	37796 / 506
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Recording Date	Sep 14, 2026
Property Address	3000 SIMMON TREE RD, CHARLOTTE, NC 28270-0675
Document Number	0000098759
Book / Page	40711 / 911
Instrument Date	Sep 8, 2026
Instrument	202698759
Transaction Type	Mortgage
Record Updated	Sep 28, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3000 SIMMON TREE RD, CHARLOTTE, NC 28270-0675

Mortgage

Document Number	0000098759,
Date	Sep 14, 2026
Book Page	40711/911
Instrument	202698759

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	3000 SIMMON TREE RD, CHARLOTTE, NC 28270-0675
Transaction Type	Mortgage
Record Updated	Mar 5, 2026
Title Company	CLEAREDGE TITLE, CLEAREDGE TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3000 SIMMON TREE RD, CHARLOTTE, NC 28270-0675

Mortgage

Document Number	0000017568
Date	Feb 23, 2026
Book Page	40216/876
Instrument	2026017568

Lender

Name	POINT DIGITAL FINANCE INC
Type	Mortgage Company
Address	PALO ALTO, CA 94301

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 17, 2056

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Nov 29, 2022
Property Address	3000 SIMMON TREE RD, CHARLOTTE, NC 28270-0675
Document Number	0000158304
Book / Page	37796 / 506
Map Reference	MB 17 PG 319
Instrument Date	Nov 28, 2022
Instrument	2022158304
Transaction Type	Transfer
Record Updated	May 25, 2023
Title Company	AUSTIN TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,970.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	636 BIRCH VIEW DR # DR34, DR34, MATTHEWS, NC 28105-0015

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3000 SIMMON TREE RD, CHARLOTTE, NC 28270-0675

Mortgage

Document Number	0000158305
Date	Nov 29, 2022
Instrument	2022158305

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

Mortgage

Document Number	0000158306
Date	Nov 29, 2022
Book Page	37796/526
Instrument	2022158306

Lender

Name	COGENT BANK
Type	Bank
Address	HUNTERSVILLE, NC 28078

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Nov 28, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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	$8,437.00	$1,077,600 Land $332,500 Building $745,100	$1,077,600 Land $332,500 Building $745,100

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

Flood

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

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	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 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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