321 S Summit Ave, Charlotte, NC 28208 Property Records

Mecklenburg County property record for 321 S Summit Ave, Charlotte, NC 28208

Property Summary

Property Type	Single Family Home
Details	6 bd · 4 ba · 4,326 sqft · built 1940
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,317,500 (Mar 2024)
Tax Bill	$9,343 (2024)
Deeds & Mortgages	Jan 2026 Mortgage Mar 2024 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`073-231-06`

Property Details

APN / Parcel Number

Primary APN	`073-231-06`

Interior

Bedrooms	6 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	4,326 sqft Living Area
Basement Area	1,050 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1950
Exterior Material	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,890 sqft (0.25 acres)
Garage Area	360 sqft
Porch	Finished/Open Porch
Porch Area	147 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	321 S SUMMIT AVE
City	CHARLOTTE
State	NC
Zip	28208-4521
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5
Legal Description	L2 B3 M332-254
Legal Subdivision	WESLEY HEIGHTS
Legal Block	3
Legal Lot Number	2
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	2
Census Block	2029
Census Tract	4102

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Wesley Heights Historic District listed 1995 · 335 contributing resources · NRIS 95001397

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Mecklenburg County records, as of April 2, 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	321 S SUMMIT AVE, CHARLOTTE, NC 28208-4521
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jan 28, 2026	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN SECURITY MORTGAGE CORP
Mar 1, 2024	Warranty Deed, Transfer · Conventional Mortgage AMERICAN SECURITY MORTGAGE CORP
Dec 7, 2021	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
May 15, 2020	Warranty Deed, Transfer BRIAN D STORK
Aug 14, 2017	Warranty Deed, Transfer · Stand-Alone First Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 1, 2024 · Amount on Record
Deed Sale	Mar 1, 2024 · Amount on Record
Prior Sale	Dec 7, 2021 · Amount on Record
Deed Document Number	202418480
Deed Book / Page	38666 / 977
Prior Transfer Date	Aug 14, 2001
Prior Transfer Doc	0000049165
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	321 S SUMMIT AVE, CHARLOTTE, NC 28208-4521
Transaction Type	Mortgage
Record Updated	Feb 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 S SUMMIT AVE, CHARLOTTE, NC 28208-4521

Mortgage

Document Number	0000008572
Date	Jan 28, 2026
Book Page	40162/94
Instrument	2026008572

Lender

Name	AMERICAN SECURITY MORTGAGE CORP
Type	Mortgage Company
Address	CHARLOTTE, NC 28207

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2041

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Mar 1, 2024
Property Address	321 S SUMMIT AVE, CHARLOTTE, NC 28208-4521
Document Number	0000018480
Book / Page	38666 / 977
Map Reference	MB 332 PG 254
Instrument Date	Mar 1, 2024
Instrument	2024018480
Transaction Type	Transfer
Record Updated	Apr 4, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,635.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	632 IDEAL WAY, CHARLOTTE, NC 28203-5625

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 S SUMMIT AVE, CHARLOTTE, NC 28208-4521

Mortgage

Document Number	0000018481
Date	Mar 1, 2024
Instrument	2024018481

Lender

Name	AMERICAN SECURITY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

Mortgage

Document Number	0000018481
Date	Mar 1, 2024
Book Page	38666/981
Instrument	2024018481

Lender

Name	AMERICAN SECURITY MORTGAGE CORP
Type	Mortgage Company
Address	150 PROVIDENCE RD # 33, CHARLOTTE, NC 28207

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Dec 7, 2021
Property Address	321 S SUMMIT AVE, CHARLOTTE, NC 28208-4521
Document Number	0000230895
Book / Page	36843 / 394
Map Reference	MB 332 PG 254
Instrument Date	Dec 7, 2021
Instrument	2021230895
Transaction Type	Transfer
Record Updated	May 25, 2023
Title Company	AUSTIN TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,150.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	321 S SUMMIT AVE, CHARLOTTE, NC 28208-4521

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 S SUMMIT AVE, CHARLOTTE, NC 28208-4521

Mortgage

Document Number	0000230896
Date	Dec 7, 2021
Instrument	2021230896

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

Mortgage

Document Number	0000230897
Date	Dec 7, 2021
Book Page	36843/415
Instrument	2021230897

Lender

Name	COGENT BANK
Type	Bank
Address	CONCORD, NC 28025

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Dec 7, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	May 15, 2020
Property Address	321 S SUMMIT AVE, CHARLOTTE, NC 28208-4521
Document Number	0000069634
Book / Page	034578 / 000254
Instrument Date	May 14, 2020
Instrument	69634
Transaction Type	Transfer
Record Updated	Jun 23, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,746.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	321 S SUMMIT AVE CHARLOTTE NC 282084521, CHARLOTTE, NC 28208-4521

Mortgage

Document Number	69635
Date	May 15, 2020
Book Page	034578/000257
Instrument	69635

Lender

Name	BRIAN D STORK
Address	220 44TH TER SW, VERO BEACH, FL 32968-2392

Agreement

Amount	Amount Recorded
Term	84 Months
Due	May 14, 2027

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Aug 14, 2017
Property Address	321 S SUMMIT AVE, CHARLOTTE, NC 28208-4521
Document Number	0000109987
Book / Page	32042 / 797
Map Reference	MB332 PG254
Instrument Date	Aug 14, 2017
Instrument	2017109987
Transaction Type	Transfer
Record Updated	Dec 28, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,352.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1401 CENTRAL AVE # 20, 1401, CHARLOTTE, NC 28205-5143

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 S SUMMIT AVE, CHARLOTTE, NC 28208-4521

Mortgage

Document Number	0000109988
Date	Aug 14, 2017
Instrument	2017109988

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2047

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		$1,193,400 (-) Land $315,000 Building $878,400	$1,193,400 (-) Land $315,000 Building $878,400
2024	$9,343.00 (-18.87%)
2023	$11,516.00	$1,193,400 Land $315,000 Building $878,400	$1,193,400 Land $315,000 Building $878,400

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 · 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	5 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 526 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
Verizon Fixed Wireless	1,000 / 75

May also be available: T-Mobile.

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