320 Marsh Rd, Charlotte, NC 28209 Property Records

Mecklenburg County property record for 320 Marsh Rd, Charlotte, NC 28209

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 3,898 sqft · built 2020
Lot Size	0.345 acres (15,038 sqft)
Owner	Individual Name on Record
Last Sale	$370,000 (Mar 2020)
Tax Bill	$14,414 (2023)
Deeds & Mortgages	Oct 2022 Line of Credit Apr 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`147-043-25`

Property Details

APN / Parcel Number

Primary APN	`147-043-25`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Stories	2 Stories
Building Area	3,898 sqft Heated Area
Gross Area	1,189 sqft
1st Floor Area	1,062 sqft
Fireplaces	1 Fireplace
Fireplace	Single

Exterior

Year Built	Built 2020
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	15,038 sqft (0.345 acres)
Garage Area	180 sqft
Porch	Porch
Porch Area	127 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	147-043-25
Street Address	320 MARSH RD
City	CHARLOTTE
State	NC
Zip	28209-1843
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	L4 B1 M4-495
Legal Subdivision	SOUTH PARK
Legal Block	1
Legal Lot Number	4
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	2
Census Block	2004
Census Tract	3302

Owner

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

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
Co-owner	Co-owner on Record
Mailing Address	320 MARSH RD, CHARLOTTE, NC 28209-1843
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 11, 2022	Deed of Trust, Mortgage · Line of Credit FIRST RELIANCE BANK
Apr 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST RELIANCE BANK
Aug 8, 2022	Deed of Trust, Mortgage · Line of Credit FIRST RELIANCE BANK
Mar 24, 2025	Deed, Transfer · Conventional Mortgage CARTER BANK & TRUST
Mar 20, 2020	Warranty Deed, Construction Loan · Construction Mortgage NEWDOMINION BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 20, 2020 · Amount on Record
Deed Sale	Mar 20, 2020 · Amount on Record
Prior Sale	Jul 15, 2016 · Amount on Record
Deed Document Number	0034389752
Deed Book / Page	34389 / 752
Record Updated	Sep 20, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	320 MARSH RD, CHARLOTTE, NC 28209-1843
Transaction Type	Mortgage
Record Updated	May 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 MARSH RD, CHARLOTTE, NC 28209-1843

Mortgage

Document Number	0000141524
Date	Oct 11, 2022
Book Page	37706/99
Instrument	2022141524

Lender

Name	FIRST RELIANCE BANK
Type	Bank
Address	MOORESVILLE, NC 28117

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	320 MARSH RD, CHARLOTTE, NC 28209-1843
Transaction Type	Mortgage
Record Updated	May 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000086142
Date	Apr 30, 2021
Book Page	36008/118
Instrument	2021086142

Lender

Name	FIRST RELIANCE BANK
Type	Bank
Address	MOUNT PLEASANT, SC 29464

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	320 MARSH RD, CHARLOTTE, NC 28209-1843
Transaction Type	Mortgage
Record Updated	May 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 MARSH RD, CHARLOTTE, NC 28209-1843

Mortgage

Document Number	0000114489
Date	Aug 8, 2022
Book Page	37557/38
Instrument	2022114489

Lender

Name	FIRST RELIANCE BANK
Type	Bank
Address	MOORESVILLE, NC 28117

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Mar 24, 2025
Property Address	320 MARSH RD, CHARLOTTE, NC 28209-1843
Document Number	0000026642
Book / Page	39458 / 70
Map Reference	MB 4 PG 495
Instrument Date	Mar 18, 2025
Instrument	2025026642
Transaction Type	Transfer
Record Updated	May 22, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000026643
Date	Mar 24, 2025
Instrument	2025026643

Lender

Name	CARTER BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2032
Change Frequency	Annually
Min Rate At Change	6%
Max Rate At Change	11%
Max Rate	11%

March 2020: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Mar 20, 2020
Property Address	320 MARSH RD, CHARLOTTE, NC 28209-1843
Document Number	0000039815
Book / Page	34389 / 752
Map Reference	MB 4 PG 495
Instrument Date	Mar 18, 2020
Instrument	2020039815
Transaction Type	Construction Loan
Record Updated	Aug 23, 2022
Title Company	CHICAGO TITLE

Transaction

Amount	Amount Recorded
Tax	$740.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	445 NOTTINGHAM DR, 445, CHARLOTTE, NC 28211-4114

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1008B GREENLEAF AVE, CHARLOTTE, NC 28202-1036

Mortgage

Document Number	0000039816
Date	Mar 20, 2020
Instrument	2020039816

Lender

Name	NEWDOMINION BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Type Change Date	Apr 1, 2030
Change Frequency	Annually
Min Rate At Change	3.62%
Max Rate At Change	5.12%
Index	1-Year CMT
Max Rate	9.12%

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

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	1 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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.5% 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 385 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
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Google Fiber.

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