331 State St, Charlotte, NC 28208 Property Records

Mecklenburg County property record for 331 State St, Charlotte, NC 28208

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,520 sqft · built 1928
Lot Size	0.12 acres (5,227 sqft)
Owner	2 Individual Names on File
Last Sale	$485,000 (Mar 2020)
Tax Bill	$4,718 (2024)
Deeds & Mortgages	Oct 2021 Mortgage Mar 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`071-071-08`

Property Details

APN / Parcel Number

Primary APN	`071-071-08`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,520 sqft Living Area
1st Floor Area	1,260 sqft

Exterior

Year Built	Built 1928
Effective Year Built	Effective 2015
Exterior Material	Concrete
Construction Type	Frame
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Other
Lot Area	5,227 sqft (0.12 acres)
Porch	Finished/Open Porch
Porch Area	252 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	331 STATE ST
City	CHARLOTTE
State	NC
Zip	28208-4244
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-8
Legal Description	L8 B3 M4- 483
Legal Subdivision	SAVONA REALTY CO PROP
Legal Block	3
Legal Lot Number	8
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	1
Census Block	1002
Census Tract	4102

Owner

Source: Mecklenburg County assessment roll, as of September 9, 2025

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 File
Mailing Address	331 STATE ST, CHARLOTTE, NC 28208-4244
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN SECURITY MORTGAGE CORP
Mar 18, 2020	Warranty Deed, Transfer · Conventional with PMI BANK OF AMERICA
Feb 7, 2018	Warranty Deed, Transfer FIDELITY NATIONAL TITLE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 18, 2020 · Amount on Record
Deed Sale	Mar 18, 2020 · Amount on Record
Prior Sale	Feb 7, 2018 · Amount on Record
Deed Document Number	202038780
Deed Book / Page	34383 / 630
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	331 STATE ST, CHARLOTTE, NC 28208-4244
Transaction Type	Mortgage
Record Updated	May 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000196522
Date	Oct 14, 2021
Book Page	36643/28
Instrument	2021196522

Lender

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

Agreement

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

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Mar 18, 2020
Property Address	331 STATE ST, CHARLOTTE, NC 28208-4244
Document Number	0000038780
Book / Page	034383 / 000630
Instrument Date	Mar 18, 2020
Instrument	38780
Transaction Type	Transfer
Record Updated	May 1, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$970.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	331 STATE ST CHARLOTTE NC 282084244, CHARLOTTE, NC 28208-4244

Mortgage

Document Number	38781
Date	Mar 18, 2020
Book Page	034383/000632
Instrument	38781

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 17, 2050

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Feb 7, 2018
Property Address	331 STATE ST, CHARLOTTE, NC 28208-4244
Document Number	0000014523
Book / Page	032452 / 000073
Instrument Date	Feb 6, 2018
Instrument	14523
Transaction Type	Transfer
Record Updated	Feb 20, 2018
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Tax	$470.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9110 HOOD RD CHARLOTTE NC 282157712, CHARLOTTE, NC 28215-7712

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		$602,900 Land $200,000 Building $402,900	$602,900 Land $200,000 Building $402,900
2024	$4,718.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 98% of the US · lower than 99% of North Carolina
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 387 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Google Fiber.

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