3121 Commonwealth Ave, Charlotte, NC 28205 Property Records

Mecklenburg County property record for 3121 Commonwealth Ave, Charlotte, NC 28205

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,677 sqft · built 1940
Lot Size	0.216 acres (9,419 sqft)
Owner	Individual Name on File
Last Sale	$311,000 (Oct 2020)
Tax Bill	$3,883 (2023)
Deeds & Mortgages	Oct 2019 Mortgage Aug 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`129-082-06`

Property Details

APN / Parcel Number

Primary APN	`129-082-06`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,677 sqft Heated Area
Gross Area	1,665 sqft
1st Floor Area	1,212 sqft
Attic Area	240 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Architectural Style	Other
Exterior Material	Brick Veneer
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	9,419 sqft (0.216 acres)
Garage Area	216 sqft
Porch	Porch
Porch Area	183 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	129-082-06
Street Address	3121 COMMONWEALTH AVE
City	CHARLOTTE
State	NC
Zip	28205-6222
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	L4 B1 M967-589
Legal Subdivision	BRIAR CRK PARK
Legal Block	1
Legal Lot Number	4
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	1
Census Block	1004
Census Tract	1701

Owner

3121 Commonwealth Ave is owned and occupied by an individual who acquired it in August 2022.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	3121 COMMONWEALTH AVE, CHARLOTTE, NC 28205-6222
Occupancy	Owner Occupied
Owner Type	Individual

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
Oct 7, 2019	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Aug 26, 2022	Intrafamily Transfer, Transfer · Line of Credit QUORUM FEDERAL CU
Oct 1, 2020	Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 1, 2020 · Amount on File
Deed Sale	Oct 1, 2020 · Amount on File
Prior Sale	Oct 1, 2020 · Amount on File
Deed Document Number	0000161335
Deed Book / Page	35130 / 432
Last Transfer Date	Aug 26, 2022
Transfer Doc	0000122913
Record Updated	Jun 7, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	3121 COMMONWEALTH AVE, CHARLOTTE, NC 28205-6222
Transaction Type	Mortgage
Record Updated	Aug 23, 2022
Title Company	ACCURATE TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000133965
Date	Oct 7, 2019
Book Page	33919/238
Instrument	2019133965

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Change Frequency	5 Years
Margin	2

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MECKLENBURG NC
Recording Date	Aug 26, 2022
Property Address	3121 COMMONWEALTH AVE, CHARLOTTE, NC 28205-6222
Document Number	0000122913
Book / Page	37601 / 594
Map Reference	MB 967 PG 589
Instrument Date	Aug 15, 2022
Instrument	2022122913
Transaction Type	Transfer
Record Updated	May 25, 2023
Title Company	ACCOMODATION, ACCOMMODATION

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	3121 COMMONWEALTH AVE, CHARLOTTE, NC 28205-6222

Mortgage

Document Number	0000122914
Date	Aug 26, 2022
Instrument	2022122914

Lender

Name	QUORUM FEDERAL CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Oct 1, 2020
Property Address	3121 COMMONWEALTH AVE, CHARLOTTE, NC 28205-6222
Document Number	0000161335
Book / Page	35130 / 432
Map Reference	MB 967 PG 589
Instrument Date	Oct 1, 2020
Instrument	2020161335
Transaction Type	Transfer
Record Updated	Aug 23, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$622.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5623 RUTH AVE, 5623, WINSTON SALEM, NC 27105-1855

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3121 COMMONWEALTH AVE, CHARLOTTE, NC 28205-6222

Mortgage

Document Number	0000161336
Date	Oct 1, 2020
Instrument	2020161336

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Non-Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

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 3121 Commonwealth Ave in Zone X, an area of minimal flood risk.

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	2 in force

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 3121 Commonwealth Ave is low, with a 0.02% annual chance of 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	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 207 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	1,000 / 75
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Google Fiber.

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