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322 Circle Ave, Charlotte, NC 28207 Property Records

Mecklenburg County property record for 322 Circle Ave, Charlotte, NC 28207

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 1,984 sqft · built 1915
Lot Size0.088 acres (3,856 sqft)
Owner2 Individual Names on File
Last Sale$621,000 (Oct 2015)
Tax Bill$9,779 (2023)
Deeds & MortgagesApr 2024 Line of Credit
Sep 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN155-025-07

Property Details

APN / Parcel Number

Primary APN155-025-07

Interior

Bedrooms3 Beds
Full Baths3 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area1,984 sqft Heated Area
Gross Area2,104 sqft
1st Floor Area950 sqft
Upper Floors Area950 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1915
Architectural StyleOther
Exterior MaterialWood Shingle
Foundation TypeRaised
Roof MaterialAsphalt
Lot Area3,856 sqft (0.088 acres)
PorchPorch
Porch Area204 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air
Heating FuelGas

Location & Zoning

Old Parcel Number155-025-07
Street Address322 CIRCLE AVE
CityCHARLOTTE
StateNC
Zip28207-1404
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-5
Legal DescriptionP3 B18 M230-143
Legal SubdivisionCRESCENT HEIGHTS
Legal Block18
JurisdictionMECKLENBURG NC
Township / Civil Division1, CHARLOTTE
Census Block Group3
Census Block3015
Census Tract2400

Owner

322 Circle Ave is owned and occupied by two individuals who bought it in October 2015.

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

Owner of Record2 Individual Names on File
Mailing Address322 CIRCLE AVE, CHARLOTTE, NC 28207-1404
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Apr 1, 2024Deed of Trust, Mortgage · Line of Credit
FIRST CITIZENS BANK & TRUST CO
Sep 12, 2020Deed of Trust, Mortgage · Conventional Mortgage
QUICKEN LNS

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 2, 2015 · Amount on File
Deed SaleOct 2, 2015 · Amount on File
Prior SaleMay 17, 2013 · Amount on File
Deed Document Number0003032357
Deed Book / Page30323 / 57
Record UpdatedJun 7, 2026

April 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMECKLENBURG NC
Property Address322 CIRCLE AVE, CHARLOTTE, NC 28207-1404
Transaction TypeMortgage
Record UpdatedApr 17, 2024
Title CompanySTEWART TITLE, STEWART TTL GUARANTY NON CA

Transferred To (Grantee/Buyer)

NameVerified Name
Address322 CIRCLE AVE, CHARLOTTE, NC 28207-1404

Mortgage

Document Number0000028781
DateApr 1, 2024
Book Page38726/771
Instrument2024028781
Lender
NameFIRST CITIZENS BANK & TRUST CO
TypeBank
AddressPO BOX 26592, RALEIGH, NC 27611
Agreement
TypeLine of Credit
AmountAmount on Record
Term360 Months
DueMar 31, 2054
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

September 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMECKLENBURG NC
Property Address322 CIRCLE AVE, CHARLOTTE, NC 28207-1404
Document Number0000151439
Instrument DateSep 12, 2020
Transaction TypeMortgage
Record UpdatedOct 20, 2020
Title CompanyAMROCK INC

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address322 CIRCLE AVE CHARLOTTE NC 282071404, CHARLOTTE, NC 28207-1404

Mortgage

Document Number0000151439
DateSep 18, 2020
Book Page035070/000470
Instrument151439
Lender
NameQUICKEN LNS
TypeFunding / Finance Company
AddressDETROIT, MI 48226-1906
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term180 Months
DueSep 17, 2035

Tax Assessment & Valuation

Source: Mecklenburg County assessment roll, as of January 1, 2023

Property Jurisdictions

TypeName
StateNorth Carolina
CountyMecklenburg County
MunicipalityCharlotte City
Unified School DistrictCharlotte-Mecklenburg Schools (PK - 12)

Flood

FEMA maps place 322 Circle Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 3, 2024

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 322 Circle Ave is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire RiskLow
lower than 99.8% of the US · lower than 99.9% of North Carolina
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemCHARLOTTE WATER
serves 1,206,285 people · EPA ID NC0160010
Water SourceSurface water
Last State InspectionJul 2025
LeadUnder 1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 332 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · DSL · 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
Starlink
Satellite		280 / 30
T-Mobile
Fixed Wireless		100 / 20

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