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340 S Torrence St, Charlotte, NC 28204 Property Records

Mecklenburg County property record for 340 S Torrence St, Charlotte, NC 28204

Property Summary

Property TypeTownhouse
Details3 bd · 4 ba · 2,529 sqft · built 2018
Lot Size0.082 acres (3,597 sqft)
Owner2 Individual Names on File
Last Sale$691,500 (Mar 2019)
Tax Bill$7,996 (2023)
Deeds & MortgagesFeb 2021 Mortgage
Mar 2019 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN125-224-65

Property Details

APN / Parcel Number

Primary APN125-224-65

Interior

Bedrooms3 Beds
Full Baths4 Baths
Half Baths1 Half Bath
Stories3 Stories
Building Area2,529 sqft Heated Area
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2018
Exterior MaterialAluminum/Vinyl
Foundation TypeSlab (Mat/Raft)
Lot Area3,597 sqft (0.082 acres)
Total Buildings2 Buildings

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air
Heating FuelGas

Location & Zoning

Old Parcel Number125-224-65
Street Address340 S TORRENCE ST
CityCHARLOTTE
StateNC
Zip28204-3164
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Townhouse
Legal DescriptionL4 M62-586
Legal SubdivisionMETROPOLITAN TOWNES MAP 2
Legal Lot Number4
JurisdictionMECKLENBURG NC
Township / Civil Division1, CHARLOTTE
Census Block Group1
Census Block1003
Census Tract2600

Owner

340 S Torrence St, a townhouse, is owned and occupied by two individuals who bought it in March 2019.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on File
Mailing Address340 S TORRENCE ST, CHARLOTTE, NC 28204-3164
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Feb 9, 2021Deed of Trust, Mortgage · Conventional Mortgage
BETTER MORTGAGE CORPORATION
Mar 1, 2019Grant Deed, Subdivision Related Transfer
BANK OF AMERICA

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 1, 2019 · Amount on File
Deed SaleMar 1, 2019 · Amount on File
Deed Document Number0033321692
Deed Book / Page33321 / 692
Record UpdatedJun 7, 2026

February 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMECKLENBURG NC
Property Address340 S TORRENCE ST, CHARLOTTE, NC 28204-3164
Transaction TypeMortgage
Record UpdatedMay 25, 2023

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000024913
DateFeb 9, 2021
Book Page35651/476
Instrument2021024913
Lender
NameBETTER MORTGAGE CORPORATION
TypeMortgage Company
AddressNEW YORK, NY 10007
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueMar 1, 2051

March 2019: Grant Deed, Subdivision Related Transfer

Document TypeGrant Deed
JurisdictionMECKLENBURG NC
Recording DateMar 1, 2019
Property Address340 S TORRENCE ST, CHARLOTTE, NC 28204-3164
Document Number0000023193
Book / Page033321 / 000692
Instrument DateFeb 28, 2019
Instrument23193
Transaction TypeSubdivision Related Transfer
Record UpdatedMar 22, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,383.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address340 S TORRENCE ST CHARLOTTE NC 282043164, CHARLOTTE, NC 28204-3164

Mortgage

Document Number23194
DateMar 1, 2019
Book Page033321/000694
Instrument23194
Lender
NameBANK OF AMERICA
TypeBank
AddressCHARLOTTE, NC 28255
Agreement
AmountAmount on Record
Term360 Months
DueFeb 28, 2049

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 340 S Torrence St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1978.

Source: FEMA National Flood Hazard Layer, effective October 3, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 2 (40% premium discount)
Nearby Flood Policies9 in force
Nearby Flood Claims2 (1978–1997)
Most Recent ClaimJul 1997 · river or lake flooding

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 340 S Torrence St 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 98% of the US · lower than 99% 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 204 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · Fixed Wireless · DSL 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

May also be available: Google Fiber.

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