345 E Cama St, Charlotte, NC 28217 Property Records

Mecklenburg County property record for 345 E Cama St, Charlotte, NC 28217

Property Summary

Property Type	Townhouse
Details	2 bd · 3 ba · 1,692 sqft · built 2022
Lot Size	0.028 acres (1,220 sqft)
Owner	2 Individual Names on Record
Last Sale	$560,000 (Feb 2026)
Tax Bill	$4,527 (2025)
Deeds & Mortgages	Feb 2026 Sale & Mortgage Mar 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`149-026-27`

Property Details

APN / Parcel Number

Primary APN	`149-026-27`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	4 Stories
Building Area	1,692 sqft Living Area
Gross Area	2,196 sqft
1st Floor Area	652 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Townhouse
Exterior Material	Concrete
Construction Type	Frame
Roof Material	Other
Lot Area	1,220 sqft (0.028 acres)
Garage Type	Attached
Garage Area	504 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	345 E CAMA ST
City	CHARLOTTE
State	NC
Zip	28217-1703
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	UR-2(CD)
Legal Description	L46 M70-202
Legal Subdivision	LOSO TOWNHOMES
Legal Lot Number	46
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	3
Census Block	3020
Census Tract	3802

Owner

Source: Mecklenburg County records, as of July 14, 2026

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 Record
Mailing Address	345 E CAMA ST, CHARLOTTE, NC 28217-1703
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 4, 2026	Special Warranty Deed, Transfer · Conventional Mortgage TRUIST BANK
Mar 1, 2022	Special Warranty Deed, Transfer · Stand-Alone First Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 4, 2026 · Amount on Record
Deed Sale	Feb 4, 2026 · Amount on Record
Prior Sale	Mar 1, 2022 · Amount on Record
Deed Document Number	202610981
Deed Book / Page	40177 / 282
Record Updated	Sep 20, 2026

February 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Feb 4, 2026
Property Address	345 E CAMA ST, CHARLOTTE, NC 28217-1703
Document Number	0000010981
Book / Page	40177 / 282
Map Reference	MB 70 PG 202
Instrument Date	Feb 4, 2026
Instrument	2026010981
Transaction Type	Transfer
Record Updated	Feb 16, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,120.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1616 CLEVELAND AVE, CHARLOTTE, NC 28203-4855

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	345 E CAMA ST, CHARLOTTE, NC 28217-1703

Mortgage

Document Number	0000010982
Date	Feb 4, 2026
Instrument	2026010982

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

March 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Mar 1, 2022
Property Address	345 E CAMA ST, CHARLOTTE, NC 28217-1703
Document Number	0000032279
Book / Page	37110 / 711
Map Reference	MB 69 PG 234
Instrument Date	Feb 28, 2022
Instrument	2022032279
Transaction Type	Transfer
Record Updated	May 22, 2026

Transaction

Amount	Amount Recorded
Tax	$3,125.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1616 CLEVELAND AVE, CHARLOTTE, NC 28203-4855

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1616 CLEVELAND AVE, CHARLOTTE, NC 28203-4855
Investor	Possibly a Property Investor

Mortgage

Document Number	0000032280
Date	Mar 1, 2022
Instrument	2022032280

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$4,527.00 (+1.37%)	$583,300 Land $145,000 Building $438,300	$583,300 (-) Land $145,000 Building $438,300
2024	$4,466.00
2023			$583,300 Land $145,000 Building $438,300

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 · 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	1 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

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

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 450 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	1,000 / 75
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Google Fiber.

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