Mecklenburg County property record for 304 S Torrence St, Charlotte, NC 28204 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,943 sqft · built 1928 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Individual Name on File |
| Last Sale | $346,500 (Oct 2025) |
| Tax Bill | $4,979 (2024) |
| Deeds & Mortgages | Oct 2025 Sale Oct 2025 Transfer + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 125-224-13 |
| Primary APN | 125-224-13 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,943 sqft Living Area |
| 1st Floor Area | 1,170 sqft |
| Basement Area | 280 sqft |
| Year Built | Built 1928 |
|---|---|
| Effective Year Built | Effective 1960 |
| Roof Type | Gable |
| Lot Area | 10,019 sqft (0.23 acres) |
| Porch | Porch |
| Porch Area | 224 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 304 S TORRENCE ST |
|---|---|
| City | CHARLOTTE |
| State | NC |
| Zip | 28204-3164 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | L8 B7 M230-77 |
| Legal Subdivision | FIDELITY TRUST COMPANY PROPERTY |
| Legal Block | 7 |
| Legal Lot Number | 8 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 1, CHARLOTTE |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 2600 |
Source: Mecklenburg County records · APN 125-224-13
Assessment roll updated September 9, 2025 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 304 S TORRENCE ST, CHARLOTTE, NC 28204-3164 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants in Common |
| Date | Document |
|---|---|
| Oct 06, 2025 | Special Warranty Deed, Transfer |
| Oct 03, 2025 | Intrafamily Transfer, Transfer |
| Oct 01, 2021 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Mar 02, 2018 | Deed of Trust, Mortgage · Conventional Mortgage NEWDOMINION BANK |
| May 22, 2018 | Deed of Trust, Mortgage · Line of Credit NEWDOMINION BANK |
| Jul 16, 2020 | Deed of Trust, Mortgage · Conventional Mortgage INTERCONTINENTAL CAPITAL GROUP INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 06, 2025 · Amount on Record |
| Deed Sale | Oct 06, 2025 · Amount on Record |
| Prior Sale | Nov 16, 2009 · Amount on Record |
| Deed Document Number | 2025101771 |
| Deed Book / Page | 39910 / 852 |
| Prior Transfer Date | Oct 03, 2025 |
| Prior Transfer Doc | 0000100881 |
| Record Updated | Sep 20, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Oct 06, 2025 |
| Property Address | 304 S TORRENCE ST, CHARLOTTE, NC 28204-3164 |
| Document Number | 0000101771 |
| Book / Page | 39910 / 852 |
| Map Reference | MB 230 PG 77 |
| Instrument Date | Oct 06, 2025 |
| Instrument | 2025101771 |
| Transaction Type | Transfer |
| Record Updated | Oct 20, 2025 |
| Amount | Amount Recorded |
|---|---|
| Tax | $693.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 304 S TORRENCE ST, CHARLOTTE, NC 28204-3164 |
| Name | Verified Name |
|---|---|
| Address | 304 S TORRENCE ST, CHARLOTTE, NC 28204-3164 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Oct 03, 2025 |
| Property Address | 304 S TORRENCE ST, CHARLOTTE, NC 28204-3164 |
| Document Number | 0000100881 |
| Book / Page | 39905 / 840 |
| Map Reference | MB 230 PG 77 |
| Instrument Date | Oct 02, 2025 |
| Instrument | 2025100881 |
| Transaction Type | Transfer |
| Record Updated | Oct 13, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 304 S TORRENCE ST, CHARLOTTE, NC 28204-3164 |
| Name | Verified Name |
|---|---|
| Address | 304 S TORRENCE ST, CHARLOTTE, NC 28204-3164 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 304 S TORRENCE ST, CHARLOTTE, NC 28204-3164 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2023 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|---|
| Address | 304 S TOMNCE ST, CHARLOTTE, NC 28204 |
| Document Number | 0000188297 |
|---|---|
| Date | Oct 01, 2021 |
| Book Page | 36596/896 |
| Instrument | 2021188297 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 304 S TORRENCE ST, CHARLOTTE, NC 28204-3164 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000024584 |
|---|---|
| Date | Mar 02, 2018 |
| Book Page | 32501/805 |
| Instrument | 2018024584 |
| Name | NEWDOMINION BANK |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28204 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 01, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 304 S TORRENCE ST, CHARLOTTE, NC 28204-3164 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000062401 |
|---|---|
| Date | May 22, 2018 |
| Book Page | 32696/232 |
| Instrument | 2018062401 |
| Name | NEWDOMINION BANK |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28204 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 304 S TORRENCE ST, CHARLOTTE, NC 28204-3164 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2022 |
| Title Company | VANTAGE POINT TITLE INC |
| Name | Verified Name |
|---|
| Document Number | 0000107860 |
|---|---|
| Date | Jul 16, 2020 |
| Book Page | 34811/662 |
| Instrument | 2020107860 |
| Name | INTERCONTINENTAL CAPITAL GROUP INC |
|---|---|
| Type | Mortgage Company |
| Address | MELVILLE, NY 11747 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2050 |
Source: Mecklenburg County records · Assessment roll updated September 9, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mecklenburg County |
| Municipality | Charlotte City |
| Unified School District | Charlotte-Mecklenburg Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $608,000 Land $350,000 Building $258,000 | $608,000 (-) Land $350,000 Building $258,000 | |
| 2024 | $4,979.00 | ||
| 2023 | $608,000 Land $350,000 Building $258,000 |
Source: FEMA National Flood Hazard Layer, Mecklenburg County (37119C), updated October 3, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 371190026001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Community Rating System | Class 2 (40% premium discount) |
| Nearby Flood Policies | 9 in force |
| Nearby Flood Claims | 2 (1978–1997) |
| Most Recent Claim | Jul 1997, river or lake flooding |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 204 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| AT&T | Fiber | 5,000 / 5,000 |
| Spectrum | Cable | 1,000 / 1,000 |
| Verizon | Fixed Wireless | 1,000 / 75 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
| AT&T | Fixed Wireless | 100 / 20 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
May also be available at this address: AT&T, Spectrum, Google Fiber. Availability varies by address; speeds are provider-advertised maximums, not measured.
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