3108 E Independence Blvd, Charlotte, NC 28205 Property Records

Mecklenburg County property record for 3108 E Independence Blvd, Charlotte, NC 28205

Property Summary

Property Type	Commercial
Details	5,250 sqft · built 1965
Lot Size	0.69 acres (30,056 sqft)
Owner	2 Individual Names on Record
Last Sale	$280,000 (Dec 2015)
Tax Bill	$5,178 (2025)
Deeds & Mortgages	Apr 2021 Line of Credit Apr 2021 Mortgage + 8 more
Flood Zone	Zone X (minimal risk)
APN	`159-053-22`

Property Details

APN / Parcel Number

Primary APN	`159-053-22`

Interior

Total Rooms	6 Rooms
Stories	2 Stories
Building Area	5,250 sqft Gross Area
1st Floor Area	4,500 sqft

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1990
Exterior Material	Concrete Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	30,056 sqft (0.69 acres)
Porch	Finished/Open Porch
Porch Area	300 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3108 E INDEPENDENCE BLVD
City	CHARLOTTE
State	NC
Zip	28205-7014
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	R-4
Legal Description	PL11 3108 E INDEP BLVD
Legal Subdivision	PROPERTY/JOHN KANOS SURV
Legal Block	3
Legal Lot Number	11
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	2
Census Block	2001
Census Tract	1801

Owner

Source: Mecklenburg County records, as of August 25, 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	8902 FIRESTREAK DR, CHARLOTTE, NC 28216-5792
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2021	Deed of Trust, Mortgage · Line of Credit FIRST FINANCIAL BANK
Apr 27, 2021	Deed of Trust, Mortgage FIRST FINANCIAL BANK
Apr 27, 2021	Deed of Trust, Mortgage FIRST FINANCIAL BANK
Mar 23, 2023	Deed of Trust, Mortgage · Line of Credit SILVER HILL FINANCIAL LLC
Feb 3, 2023	Intrafamily Transfer, Transfer · Conventional Mortgage VISTA POINT MORTGAGE LLC
Mar 28, 2019	Deed of Trust, Mortgage · Commercial Mortgage CHARLOTTE METRO FCU
Nov 5, 2019	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIRST FINANCIAL BANK
May 8, 2020	Deed of Trust, Mortgage · Construction Mortgage FIRST FINANCIAL BANK
May 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST FINANCIAL BANK
May 8, 2020	Deed of Trust, Mortgage · Construction Mortgage FIRST FINANCIAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 7, 2015 · Amount on Record
Deed Sale	Dec 7, 2015 · Amount on Record
Deed Document Number	2015157651
Deed Book / Page	30460 / 288
Last Transfer Date	Feb 3, 2023
Transfer Doc	0000009535
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	3108 E INDEPENDENCE BLVD, CHARLOTTE, NC 28205-7014
Transaction Type	Mortgage
Record Updated	May 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3208 HALCOTT LN, CHARLOTTE, NC 28269-9708

Mortgage

Document Number	0000082758
Date	Apr 27, 2021
Book Page	35989/732
Instrument	2021082758

Lender

Name	FIRST FINANCIAL BANK
Type	Bank
Address	EL DORADO, AR 71730

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	84 Months
Due	Apr 19, 2028

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	3108 E INDEPENDENCE BLVD, CHARLOTTE, NC 28205-7014
Transaction Type	Mortgage
Record Updated	May 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3208 HALCOTT LN, CHARLOTTE, NC 28269-9708

Mortgage

Document Number	0000082379
Date	Apr 27, 2021
Book Page	35987/131
Instrument	2021082379

Lender

Name	FIRST FINANCIAL BANK
Type	Bank
Address	EL DORADO, AR 71730

Agreement

Amount	Amount Recorded
Term	144 Months
Due	Apr 19, 2033

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	3108 E INDEPENDENCE BLVD, CHARLOTTE, NC 28205-7014
Transaction Type	Mortgage
Record Updated	May 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3208 HALCOTT LN, CHARLOTTE, NC 28269-9708

Mortgage

Document Number	0000082479
Date	Apr 27, 2021
Book Page	35987/964
Instrument	2021082479

Lender

Name	FIRST FINANCIAL BANK
Type	Bank
Address	EL DORADO, AR 71730

Agreement

Amount	Amount Recorded
Term	144 Months
Due	Apr 19, 2033

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	3108 E INDEPENDENCE BLVD, CHARLOTTE, NC 28205-7014
Transaction Type	Mortgage
Record Updated	May 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3208 HALCOTT LN, CHARLOTTE, NC 28269-9708

Mortgage

Document Number	0000025695
Date	Mar 23, 2023
Book Page	38008/874
Instrument	2023025695

Lender

Name	SILVER HILL FINANCIAL LLC
Type	Mortgage Company
Address	MIAMI, FL 33146

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MECKLENBURG NC
Recording Date	Feb 3, 2023
Property Address	3108 E INDEPENDENCE BLVD, CHARLOTTE, NC 28205-7014
Document Number	0000009535
Book / Page	37916 / 851
Instrument Date	Feb 3, 2023
Instrument	2023009535
Transaction Type	Transfer
Record Updated	May 22, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8902 FIRESTREAK DR, CHARLOTTE, NC 28216-5792

Mortgage

Document Number	0000014530
Date	Feb 3, 2023
Instrument	2023014530

Lender

Name	VISTA POINT MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2053

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	3108 E INDEPENDENCE BLVD, CHARLOTTE, NC 28205-7014
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000035531
Date	Mar 28, 2019
Book Page	33387/111
Instrument	2019035531

Lender

Name	CHARLOTTE METRO FCU
Type	Credit Union
Address	CHARLOTTE, NC 28204

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	3108 E INDEPENDENCE BLVD, CHARLOTTE, NC 28205-7014
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000150457
Date	Nov 5, 2019
Book Page	34011/144
Instrument	2019150457

Lender

Name	FIRST FINANCIAL BANK
Type	Bank
Address	EL DORADO, AR 71730

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	143 Months
Due	Oct 25, 2031

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	3108 E INDEPENDENCE BLVD, CHARLOTTE, NC 28205-7014
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000065363
Date	May 8, 2020
Book Page	34553/161
Instrument	2020065363

Lender

Name	FIRST FINANCIAL BANK
Type	Bank
Address	EL DORADO, AR 71730

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	6 Months
Due	Nov 1, 2020

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	3108 E INDEPENDENCE BLVD, CHARLOTTE, NC 28205-7014
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000065101
Date	May 7, 2020
Book Page	34551/937
Instrument	2020065101

Lender

Name	FIRST FINANCIAL BANK
Type	Bank
Address	EL DORADO, AR 71730

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	84 Months
Due	May 1, 2027

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	3108 E INDEPENDENCE BLVD, CHARLOTTE, NC 28205-7014
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000065440
Date	May 8, 2020
Book Page	34553/745
Instrument	2020065440

Lender

Name	FIRST FINANCIAL BANK
Type	Bank
Address	EL DORADO, AR 71730

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	6 Months
Due	Nov 1, 2020

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	$5,178.00 (-20.53%)	$675,300 (-) Land $426,500 Building $248,800	$675,300 (-) Land $426,500 Building $248,800
2023	$6,516.00	$675,300 Land $426,500 Building $248,800	$675,300 Land $426,500 Building $248,800

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

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

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 151 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: T-Mobile, Verizon.

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