3020 Whiting Ave, Charlotte, NC 28205 Property Records

Mecklenburg County property record for 3020 Whiting Ave, Charlotte, NC 28205

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,107 sqft · built 2021
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on Record
Last Sale	$903,000 (Oct 2021)
Tax Bill	$7,878 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Jul 2025 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`083-164-17`

Property Details

APN / Parcel Number

Primary APN	`083-164-17`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,107 sqft Living Area
Gross Area	3,394 sqft
1st Floor Area	1,069 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Concrete
Construction Type	Frame
Foundation Type	No Foundation
Roof Material	Other
Lot Area	6,098 sqft (0.14 acres)
Garage Type	Attached
Garage Area	287 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	3020 WHITING AVE
City	CHARLOTTE
State	NC
Zip	28205-1647
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-5
Legal Description	L4 M68-83
Legal Subdivision	CONTAINING 0
Legal Block	4
Legal Lot Number	4
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	2
Census Block	2023
Census Tract	1400

Owner

Source: Mecklenburg County records, as of June 19, 2026

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	2 Individual Names on Record
Mailing Address	3020 WHITING AVE, CHARLOTTE, NC 28205-1647
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2026	Warranty Deed, Transfer · Conventional Mortgage DART BANK
Jul 14, 2025	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Oct 21, 2021	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage TOWNEBANK MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 21, 2021 · Amount on Record
Deed Sale	Oct 21, 2021 · Amount on Record
Deed Document Number	2021201369
Deed Book / Page	36671 / 528
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Jul 21, 2026
Property Address	3020 WHITING AVE, CHARLOTTE, NC 28205-1647
Document Number	0000077690
Book / Page	40586 / 815
Instrument Date	Jul 21, 2026
Instrument	202677690
Transaction Type	Transfer
Record Updated	Aug 5, 2026
Title Company	INVESTORS LAND TITLE, INVESTORS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$261,590.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3020 WHITING AVE, CHARLOTTE, NC 28205-1647

Mortgage

Document Number	0000077691,
Date	Jul 21, 2026
Book Page	40586/818
Instrument	202677691

Lender

Name	DART BANK

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	5.88%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	3020 WHITING AVE, CHARLOTTE, NC 28205-1647
Transaction Type	Mortgage
Record Updated	May 22, 2026
Title Company	WFG LENDER SERVICES, WFG LENDER SERVICES RESWARE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3020 WHITING AVE, CHARLOTTE, NC 28205-1647

Mortgage

Document Number	0000069688
Date	Jul 14, 2025
Book Page	39718/500
Instrument	2025069688

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jun 27, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Oct 21, 2021
Property Address	3020 WHITING AVE, CHARLOTTE, NC 28205-1647
Document Number	0000201369
Book / Page	36671 / 528
Map Reference	MB 68 PG 83
Instrument Date	Oct 21, 2021
Instrument	2021201369
Transaction Type	Subdivision Related Transfer
Record Updated	May 22, 2026
Title Company	INVESTOR TITLE INSURANCE COMPANY, INVESTORS TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,806.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3415 HOLT ST, CHARLOTTE, NC 28205-1225

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3020 WHITING AVE, CHARLOTTE, NC 28205-1647

Mortgage

Document Number	0000201370
Date	Oct 21, 2021
Instrument	2021201370

Lender

Name	TOWNEBANK MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

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	$7,878.00	$1,004,600 Land $308,800 Building $695,800	$1,004,600 Land $308,800 Building $695,800

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	1 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

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

Wildfire Risk	Not rated no burnable land within 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 500 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	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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