3247 Erwin Trace Dr, Charlotte, NC 28213 Property Records

Mecklenburg County property record for 3247 Erwin Trace Dr, Charlotte, NC 28213

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,796 sqft · built 2006
Lot Size	0.154 acres (6,726 sqft)
Owner	Individual Name on File
Last Sale	$265,000 (May 2019)
Tax Bill	$4,042 (2023)
Deeds & Mortgages	Sep 2023 Mortgage Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`051-182-98`

Property Details

APN / Parcel Number

Primary APN	`051-182-98`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,796 sqft Heated Area
Gross Area	3,308 sqft
1st Floor Area	1,238 sqft
Upper Floors Area	1,558 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Lot Area	6,726 sqft (0.154 acres)
Garage Area	400 sqft
Porch	Porch
Porch Area	112 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	051-182-98
Street Address	3247 ERWIN TRACE DR
City	CHARLOTTE
State	NC
Zip	28213-4896
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MX-1
Legal Description	L349 M42-707
Legal Subdivision	OLD STONE XING PH 03C MAP 02
Legal Lot Number	349
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	1
Census Block	1004
Census Tract	5625

Owner

3247 Erwin Trace Dr is owned and occupied by an individual who bought it in May 2019.

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

Owner of Record	Individual Name on File
Mailing Address	3247 ERWIN TRACE DR, CHARLOTTE, NC 28213-4896
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
Sep 13, 2023	Deed of Trust, Mortgage · FHA Mortgage MIDFIRST BANK
Jul 7, 2021	Deed of Trust, Mortgage · FHA Mortgage MIDLAND MORTGAGE
May 13, 2019	Warranty Deed, Transfer · FHA Mortgage PLANET HM LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 13, 2019 · Amount on File
Deed Sale	May 13, 2019 · Amount on File
Prior Sale	Dec 11, 2006 · Amount on File
Deed Document Number	0033500747
Deed Book / Page	33500 / 747
Record Updated	Jun 7, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	3247 ERWIN TRACE DR, CHARLOTTE, NC 28213-4896
Transaction Type	Mortgage
Record Updated	Sep 22, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3247 ERWIN TRACE DR, CHARLOTTE, NC 28213-4896

Mortgage

Document Number	0000087521
Date	Sep 13, 2023
Book Page	38367/661
Instrument	2023087521

Lender

Name	MIDFIRST BANK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	333 Months
Due	Jun 1, 2051

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	3247 ERWIN TRACE DR, CHARLOTTE, NC 28213-4896
Transaction Type	Mortgage
Record Updated	May 25, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3247 ERWIN TRACE DR, CHARLOTTE, NC 28213-4896

Mortgage

Document Number	0000130919
Date	Jul 7, 2021
Book Page	36265/331
Instrument	2021130919

Lender

Name	MIDLAND MORTGAGE
Type	Mortgage Company
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jun 1, 2051

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	May 13, 2019
Property Address	3247 ERWIN TRACE DR, CHARLOTTE, NC 28213-4896
Document Number	0000057016
Book / Page	033500 / 000747
Instrument Date	May 10, 2019
Instrument	57016
Transaction Type	Transfer
Record Updated	Jun 13, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$530.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3247 ERWIN TRACE DR CHARLOTTE NC 282134896, CHARLOTTE, NC 28213-4896

Mortgage

Document Number	57017
Date	May 13, 2019
Book Page	033500/000749
Instrument	57017

Lender

Name	PLANET HM LNDG
Address	MERIDEN, CT 06450

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 12, 2049

Mortgage

Document Number	57018,
Date	May 13, 2019
Book Page	033500/000761
Instrument	57018

Lender

Name	PLANET HM LNDG
Address	MERIDEN, CT 06450

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 12, 2049

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 3247 Erwin Trace Dr 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 3247 Erwin Trace Dr 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 Risk	Low lower than 99.8% of the US · lower than 99.9% 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 373 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	300 / 20
Windstream DSL	100 / 20

May also be available: T-Mobile.

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