3027 Simmon Tree Rd, Charlotte, NC 28270 Property Records

Mecklenburg County property record for 3027 Simmon Tree Rd, Charlotte, NC 28270

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 4,567 sqft · built 1982
Lot Size	1.72 acres (75,054 sqft)
Owner	2 Individual Names on Record
Last Sale	$568,000 (May 2010)
Tax Bill	$7,227 (2025)
Deeds & Mortgages	Nov 2021 Line of Credit Feb 2020 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`227-108-03`

Property Details

APN / Parcel Number

Primary APN	`227-108-03`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	4,567 sqft Living Area
1st Floor Area	3,631 sqft
Upper Floors Area	936 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 2005
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Raised
Roof Type	Hip
Roof Material	Other
Lot Area	75,054 sqft (1.72 acres)
Garage Area	552 sqft
Porch	Patio
Porch Area	320 sqft
Patio Area	676 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Street Address	3027 SIMMON TREE RD
City	CHARLOTTE
State	NC
Zip	28270-0676
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	L3A M68-11
Legal Subdivision	PROVIDENCE PLANTATION SEC 7 MA
Legal Block	8
Legal Lot Number	3A
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	2
Census Block	2004
Census Tract	5848

Owner

Source: Mecklenburg County records, as of August 31, 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	3027 SIMMON TREE RD, CHARLOTTE, NC 28270-0676
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 19, 2021	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Feb 19, 2020	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Nov 8, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Dec 18, 2018	Loan Modification, Mortgage · Conventional Mortgage MVB BK INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 28, 2010 · Amount on Record
Deed Sale	May 28, 2010 · Amount on Record
Prior Sale	Jun 9, 2005 · Amount on Record
Deed Document Number	201061930
Deed Book / Page	25655 / 596
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	3027 SIMMON TREE RD, CHARLOTTE, NC 28270-0676
Transaction Type	Mortgage
Record Updated	May 25, 2023
Title Company	STEWART TITLE, STEWART TTL GUARANTY NON CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3027 SIMMON TREE RD, CHARLOTTE, NC 28270-0676
Investor	Possibly a Property Investor

Mortgage

Document Number	0000220676
Date	Nov 19, 2021
Book Page	36782/445
Instrument	2021220676

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	26592

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	3027 SIMMON TREE RD, CHARLOTTE, NC 28270-0676
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE GUARANTY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000023029
Date	Feb 19, 2020
Book Page	34293/846
Instrument	2020023029

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	3027 SIMMON TREE RD, CHARLOTTE, NC 28270-0676
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000152552
Date	Nov 8, 2019
Book Page	34021/814
Instrument	2019152552

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

December 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MECKLENBURG NC
Property Address	3027 SIMMON TREE RD, CHARLOTTE, NC 28270-0676
Document Number	0000003870
Instrument Date	Dec 18, 2018
Transaction Type	Mortgage
Record Updated	Jan 30, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3027 SIMMON TREE RD CHARLOTTE NC 282700676, CHARLOTTE, NC 28270-0676

Mortgage

Document Number	0000003870
Date	Jan 11, 2019
Book Page	033223/000024
Instrument	3870

Lender

Name	MVB BK INC
Type	Bank
Address	MORGANTOWN, WV 26505

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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	$7,227.00	$919,700 Land $367,500 Building $552,200	$919,700 Land $367,500 Building $552,200

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	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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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