3501 Commonwealth Ave, Charlotte, NC 28205 Property Records

Mecklenburg County property record for 3501 Commonwealth Ave, Charlotte, NC 28205

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,879 sqft · built 1938
Lot Size	0.333 acres (14,527 sqft)
Owner	Individual Name on File
Last Sale	$640,000 (Jul 2019)
Tax Bill	$8,040 (2023)
Deeds & Mortgages	Aug 2021 Mortgage Dec 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`129-112-01`

Property Details

APN / Parcel Number

Primary APN	`129-112-01`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,879 sqft Heated Area
Gross Area	3,734 sqft
1st Floor Area	1,536 sqft
Upper Floors Area	640 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1938
Architectural Style	Other
Exterior Material	Brick Veneer
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	14,527 sqft (0.333 acres)
Garage Area	672 sqft
Porch	Porch
Porch Area	382 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	129-112-01
Street Address	3501 COMMONWEALTH AVE
City	CHARLOTTE
State	NC
Zip	28205-6230
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	L15A M51-504
Legal Subdivision	OAKHURST HEIGHTS
Legal Block	2
Legal Lot Number	15A
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	1
Census Block	1011
Census Tract	1701

Owner

3501 Commonwealth Ave is owned and occupied by an individual who bought it in July 2019.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	3501 COMMONWEALTH AVE, CHARLOTTE, NC 28205-6230
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
Aug 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Dec 16, 2019	Deed of Trust, Mortgage · Line of Credit COGENT BANK
Jul 2, 2019	Warranty Deed, Transfer · Conventional Mortgage HIGHLANDS RESIDENTIAL MORTGAGE LTD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 2019 · Amount on File
Deed Sale	Jul 2, 2019 · Amount on File
Prior Sale	May 31, 2001 · Amount on File
Deed Document Number	0033640883
Deed Book / Page	33640 / 883
Record Updated	Jun 7, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	3501 COMMONWEALTH AVE, CHARLOTTE, NC 28205-6230
Transaction Type	Mortgage
Record Updated	May 22, 2026
Title Company	SERVICELINK EAST ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000156098
Date	Aug 13, 2021
Book Page	36407/553
Instrument	2021156098

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 1, 2036

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	3501 COMMONWEALTH AVE, CHARLOTTE, NC 28205-6230
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000171433
Date	Dec 16, 2019
Book Page	34126/381
Instrument	2019171433

Lender

Name	COGENT BANK
Type	Bank
Address	CHARLOTTE, NC 28210

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Dec 5, 2039

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Jul 2, 2019
Property Address	3501 COMMONWEALTH AVE, CHARLOTTE, NC 28205-6230
Document Number	0000083359
Book / Page	33640 / 883
Map Reference	MB 51 PG 504
Instrument Date	Jul 2, 2019
Instrument	2019083359
Transaction Type	Transfer
Record Updated	Jun 15, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,280.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1010 RIVER OAKS LN, 1010, CHARLOTTE, NC 28226-6838

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3501 COMMONWEALTH AVE, CHARLOTTE, NC 28205-6230

Mortgage

Document Number	0000083360
Date	Jul 2, 2019
Instrument	2019083360

Lender

Name	HIGHLANDS RESIDENTIAL MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 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 3501 Commonwealth 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 Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 3501 Commonwealth Ave is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 95% of North Carolina
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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 151 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
Starlink Satellite	280 / 30

May also be available: T-Mobile, Verizon.

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