307 State St, Charlotte, NC 28208 Property Records

Mecklenburg County property record for 307 State St, Charlotte, NC 28208

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,453 sqft · built 1998
Lot Size	0.1 acres (4,356 sqft)
Owner	Company Name on File
Last Sale	$402,500 (Nov 2025)
Tax Bill	$3,115 (2025)
Deeds & Mortgages	Nov 2025 Sale Nov 2023 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`071-071-02`

Property Details

APN / Parcel Number

Primary APN	`071-071-02`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,453 sqft Living Area
1st Floor Area	1,080 sqft
Upper Floors Area	373 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Type	Hip
Roof Material	Asphalt
Lot Area	4,356 sqft (0.1 acres)
Porch	Slab
Porch Area	180 sqft
Patio Area	16 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	307 STATE ST
City	CHARLOTTE
State	NC
Zip	28208-4244
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-8
Legal Description	L2 B3 M4-483
Legal Subdivision	SAVONA REALTY CO
Legal Block	3
Legal Lot Number	2
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	1
Census Block	1002
Census Tract	4102

Owner

307 State St is owned by a company that bought it in November 2025.

Source: Mecklenburg County records, as of August 11, 2026

Owner of Record	Company Name on File
Mailing Address	10826 LEDERER AVE, CHARLOTTE, NC 28277-1497
Owner Type	Company
Vesting	Limited Liability Partnership

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 5, 2025	Warranty Deed, Transfer UNKNOWN, HARVEY & VALLINI LLC
Nov 27, 2023	Deed of Trust, Mortgage · Line of Credit TOWNEBANK
Sep 15, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
May 20, 2019	Loan Modification, Mortgage · Conventional Mortgage FREEDOM MTG
Apr 20, 2017	Deed of Trust, Mortgage · VA Mortgage CUNNINGHAM & CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 5, 2025 · Amount on File
Deed Sale	Nov 5, 2025 · Amount on File
Prior Sale	Apr 20, 1999 · Amount on File
Deed Document Number	2025113922
Deed Book / Page	39985 / 35
Record Updated	Sep 20, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Nov 5, 2025
Property Address	307 STATE ST, CHARLOTTE, NC 28208-4244
Document Number	0000113922
Book / Page	39985 / 35
Map Reference	MB 4 PG 483
Instrument Date	Nov 5, 2025
Instrument	2025113922
Transaction Type	Transfer
Record Updated	Nov 19, 2025
Title Company	UNKNOWN, HARVEY & VALLINI LLC

Transaction

Amount	Amount on Record
Tax	$805.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2832 WEST BLVD, CHARLOTTE, NC 28208-6774

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10826 LEDERER AVE, CHARLOTTE, NC 28277-1497

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	307 STATE ST, CHARLOTTE, NC 28208-4244
Transaction Type	Mortgage
Record Updated	Dec 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	307 STATE ST, CHARLOTTE, NC 28208-4244

Mortgage

Document Number	0000111009
Date	Nov 27, 2023
Book Page	38500/822
Instrument	2023111009

Lender

Name	TOWNEBANK
Type	Bank
Address	CHARLOTTE, NC 28207

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	420 Months
Due	Nov 3, 2058

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	307 STATE ST, CHARLOTTE, NC 28208-4244
Transaction Type	Mortgage
Record Updated	May 25, 2023
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000176705
Date	Sep 15, 2021
Book Page	36528/944
Instrument	2021176705

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

May 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MECKLENBURG NC
Property Address	307 STATE ST, CHARLOTTE, NC 28208-4244
Document Number	0000076398
Instrument Date	May 20, 2019
Transaction Type	Mortgage
Record Updated	Jul 22, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	307 STATE ST CHARLOTTE NC 282084244, CHARLOTTE, NC 28208-4244

Mortgage

Document Number	0000076398
Date	Jun 20, 2019
Book Page	033602/000825
Instrument	76398

Lender

Name	FREEDOM MTG
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	336 Months
Due	Jun 19, 2047

Interest

Rate Type	Fixed Rate
Rate	4.5%

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	307 STATE ST, CHARLOTTE, NC 28208-4244
Document Number	0000052961
Book / Page	031743 / 000946
Instrument Date	Apr 20, 2017
Transaction Type	Mortgage
Record Updated	Apr 28, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	307 STATE ST CHARLOTTE NC 282084244, CHARLOTTE, NC 28208-4244

Mortgage

Document Number	0000052961
Date	Apr 25, 2017
Book Page	031743/000946
Instrument	52961

Lender

Name	CUNNINGHAM & CO
Address	OKLAHOMA CITY, OK 73116

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 24, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 307 State St was $3,115, up 1.9% from the year before.

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	$3,115.00 (+1.9%)	$428,500 Land $200,000 Building $228,500	$428,500 Land $200,000 Building $228,500
2024	$3,057.00
2023			$428,500 Land $200,000 Building $228,500

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

Flood

FEMA maps place 307 State St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 3, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 307 State St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 99% of North Carolina
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 387 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Google Fiber.

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