308 S Torrence St, Charlotte, NC 28204 Property Records

Mecklenburg County property record for 308 S Torrence St, Charlotte, NC 28204

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,396 sqft · built 1926
Lot Size	0.248 acres (10,809 sqft)
Owner	Individual Name on File
Last Sale	$142,500 (Jan 2013)
Tax Bill	$7,308 (2023)
Deeds & Mortgages	Feb 2021 Mortgage Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`125-224-12`

Property Details

APN / Parcel Number

Primary APN	`125-224-12`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,396 sqft Heated Area
Gross Area	2,960 sqft
1st Floor Area	1,220 sqft
Upper Floors Area	1,176 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1926
Architectural Style	Other
Exterior Material	Composition/Composite
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	10,809 sqft (0.248 acres)

Exterior Amenities

Porch	Porch
Porch Area	186 sqft
Deck Area	216 sqft
Patio Area	216 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	125-224-12
Street Address	308 S TORRENCE ST
City	CHARLOTTE
State	NC
Zip	28204-3164
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-8
Legal Description	L7B7M230-77
Legal Subdivision	FIDELITY TRUST PROP
Legal Block	7
Legal Lot Number	7B
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	1
Census Block	1003
Census Tract	2600

Owner

308 S Torrence St is owned and occupied by an individual who bought it in January 2013.

Source: Mecklenburg County records, as of May 24, 2023

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	Individual Name on File
Mailing Address	308 S TORRENCE ST, CHARLOTTE, NC 28204-3164
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK
Apr 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK
Aug 30, 2018	Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 17, 2013 · Amount on File
Deed Sale	Jan 17, 2013 · Amount on File
Prior Sale	Aug 10, 2004 · Amount on File
Deed Document Number	0027993553
Deed Book / Page	27993 / 553
Record Updated	Jun 7, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	308 S TORRENCE ST, CHARLOTTE, NC 28204-3164
Transaction Type	Mortgage
Record Updated	May 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000033869
Date	Feb 22, 2021
Book Page	35702/942
Instrument	2021033869

Lender

Name	TRUIST BANK
Type	Bank
Address	WILSON, NC 27893

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	308 S TORRENCE ST, CHARLOTTE, NC 28204-3164
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000049565
Date	Apr 8, 2020
Book Page	34453/401
Instrument	2020049565

Lender

Name	TRUIST BANK
Type	Bank
Address	WILSON, NC 27893

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	308 S TORRENCE ST, CHARLOTTE, NC 28204-3164
Document Number	0000116909
Instrument Date	Aug 30, 2018
Transaction Type	Mortgage
Record Updated	Oct 4, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	308 S TORRENCE ST CHARLOTTE NC 282043164, CHARLOTTE, NC 28204-3164

Mortgage

Document Number	0000116909
Date	Sep 14, 2018
Book Page	032976/000438
Instrument	116909

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Mecklenburg County assessment roll, as of January 1, 2023

Property Jurisdictions

Type	Name
State	North Carolina
County	Mecklenburg County
Municipality	Charlotte City
Unified School District	Charlotte-Mecklenburg Schools (PK - 12)

Flood

FEMA maps place 308 S Torrence St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1978.

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	9 in force
Nearby Flood Claims	2 (1978–1997)
Most Recent Claim	Jul 1997 · river or lake flooding

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

Wildfire risk around 308 S Torrence 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 204 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Google Fiber.

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