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3408 Ritch Ave, Charlotte, NC 28206 Property Records

Mecklenburg County property record for 3408 Ritch Ave, Charlotte, NC 28206

Property Summary

Property TypeSingle Family Home
Details3 bd · 4 ba · 2,625 sqft · built 2014
Lot Size0.154 acres (6,734 sqft)
OwnerIndividual Name on File
Last Sale$391,500 (Jun 2014)
Tax Bill$8,239 (2023)
Deeds & MortgagesSep 2022 Mortgage
Mar 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN091-116-23

Property Details

APN / Parcel Number

Primary APN091-116-23

Interior

Bedrooms3 Beds
Full Baths4 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,625 sqft Heated Area
Gross Area3,583 sqft
1st Floor Area1,091 sqft
Upper Floors Area1,534 sqft

Exterior

Year BuiltBuilt 2014
Exterior MaterialAluminum/Vinyl
Foundation TypeRaised
Lot Area6,734 sqft (0.154 acres)
Garage Area600 sqft
PorchPorch
Porch Area358 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air
Heating FuelGas

Location & Zoning

Old Parcel Number091-116-23
Street Address3408 RITCH AVE
CityCHARLOTTE
StateNC
Zip28206-2012
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-5
Legal DescriptionL14 B4 M55-481
Legal SubdivisionCALDWELL ACRES
Legal Block4
Legal Lot Number14
JurisdictionMECKLENBURG NC
Township / Civil Division1, CHARLOTTE
Census Block Group1
Census Block1017
Census Tract5301

Owner

3408 Ritch Ave is owned and occupied by an individual who bought it in June 2014.

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

Owner of RecordIndividual Name on File
Co-ownerCo-owner on File
Mailing Address3408 RITCH AVE, CHARLOTTE, NC 28206-2012
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
Sep 22, 2022Deed of Trust, Mortgage · Conventional Mortgage
BANK OF AMERICA NA
Mar 10, 2020Deed of Trust, Mortgage · Conventional Mortgage
BANK OF AMERICA

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 12, 2014 · Amount on File
Deed SaleJun 12, 2014 · Amount on File
Deed Document Number0029240971
Deed Book / Page29240 / 971
Record UpdatedJun 7, 2026

September 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMECKLENBURG NC
Property Address3408 RITCH AVE, CHARLOTTE, NC 28206-2012
Transaction TypeMortgage
Record UpdatedMay 25, 2023
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000133908
DateSep 22, 2022
Book Page37662/222
Instrument2022133908
Lender
NameBANK OF AMERICA NA
TypeBank
AddressCHARLOTTE, NC 28255
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueOct 1, 2052

March 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMECKLENBURG NC
Property Address3408 RITCH AVE, CHARLOTTE, NC 28206-2012
Document Number0000036342
Instrument DateMar 10, 2020
Transaction TypeMortgage
Record UpdatedApr 29, 2020
Title CompanyMORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address3408 RITCH AVE CHARLOTTE NC 282062012, CHARLOTTE, NC 28206-2012

Mortgage

Document Number0000036342
DateMar 13, 2020
Book Page034368/000905
Instrument36342
Lender
NameBANK OF AMERICA
TypeBank
AddressCHARLOTTE, NC 28255
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueMar 12, 2050

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 3408 Ritch Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 13 policies
Community Rating SystemClass 2 (40% premium discount)
Nearby Flood Policies13 in force
Nearby Flood Claims29 (1978–2021)
Claims Outside the SFHA12 of 29
Most Recent ClaimAug 2021 · rainfall accumulation

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 3408 Ritch 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 99.1% of the US · lower than 99.5% 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 156 locations within half a mile, as of December 31, 2025

ProviderMax 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
Fixed Wireless		100 / 20

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