3114 Elemare St, Charlotte, NC 28208 Property Records

Mecklenburg County property record for 3114 Elemare St, Charlotte, NC 28208

Property Summary

Property Type	Townhouse
Lot Size	0.041 acres (1,786 sqft)
Owner	Individual Name on Record
Last Sale	$260,000 (Dec 2025)
Tax Bill	$567 (2024)
Deeds & Mortgages	Dec 2025 Sale & Mortgage Oct 2025 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`061-043-39`

Property Details

APN / Parcel Number

Primary APN	`061-043-39`

Exterior

Architectural Style	Townhouse
Lot Area	1,786 sqft (0.041 acres)

Location & Zoning

Street Address	3114 ELEMARE
City	CHARLOTTE
State	NC
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	L41 M74-298
Legal Lot Number	41
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	4
Census Block	4032
Census Tract	4000

Owner

Source: Mecklenburg County records, as of January 20, 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 Record
Mailing Address	3114 ELEMARE ST, CHARLOTTE, NC 28208
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2025	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA
Oct 10, 2025	Correction Deed
Jan 31, 2025	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 1, 2025 · Amount on Record
Deed Sale	Dec 1, 2025 · Amount on Record
Deed Document Number	2025122374
Deed Book / Page	40036 / 929
Prior Transfer Date	Oct 6, 2025
Prior Transfer Doc	0000103718
Record Updated	Sep 20, 2026

December 2025: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Dec 1, 2025
Property Address	3114 ELEMARE ST, CHARLOTTE, NC 28208-0461
Document Number	0000122374
Book / Page	40036 / 929
Map Reference	MB 75 PG 345-348
Instrument Date	Nov 26, 2025
Instrument	2025122374
Transaction Type	Subdivision Related Transfer
Record Updated	May 22, 2026
Title Company	INDEPENDENCE TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$520.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2649 BREKONRIDGE CENTRE DR, MONROE, NC 28110-5629

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3114 ELEMARE ST, CHARLOTTE, NC 28208-0461

Mortgage

Document Number	0000122375
Date	Dec 1, 2025
Instrument	2025122375

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Dec 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.5%
Index	SOFR Average 30-Day
Margin	3
Max Rate	10.5%

Mortgage

Document Number	0000122376
Date	Dec 1, 2025
Book Page	40036/960
Instrument	2025122376

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank
Address	HERMITAGE, PA 16148

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

October 2025: Correction Deed

Document Type	Correction Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Oct 10, 2025
Property Address	3114 ELEMARE ST, CHARLOTTE, NC 28208-0461
Document Number	0000103718
Book / Page	39921 / 957
Map Reference	MB 74 PG 298-301
Instrument Date	Oct 6, 2025
Instrument	2025103718
Record Updated	May 22, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2627 BREKONRIDGE CENTRE DR # DR104, DR104, MONROE, NC 28110-5629

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2649 BREKONRIDGE CENTRE DR STE 104, 104, MONROE, NC 28110-5632
Investor	Possibly a Property Investor

January 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Jan 31, 2025
Property Address	3114 ELEMARE ST, CHARLOTTE, NC 28208-0461
Document Number	0000009283
Book / Page	39357 / 458
Map Reference	MB 74 PG 298-301
Instrument Date	Jan 29, 2025
Instrument	2025009283
Transaction Type	Transfer
Record Updated	May 22, 2026

Transaction

Amount	Amount Recorded
Tax	$858.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2627 BREKONRIDGE CENTRE DR # DR104, DR104, MONROE, NC 28110-5629

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2649 BREKONRIDGE CENTRE DR STE 104, 104, MONROE, NC 28110-5632
Investor	Possibly a Property Investor

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		$75,000 Land $75,000	$75,000 (-) Land $75,000
2024	$567.00
2023			$75,000 Land $75,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2019)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2019 · rainfall accumulation

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 94% of the US · lower than 96% of North Carolina
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: Spectrum, T-Mobile, Verizon.

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