Mecklenburg County property record for 3520 Spencer St, Charlotte, NC 28205
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,600 sqft · built 1955 |
| Lot Size | 0.109 acres (4,763 sqft) |
| Owner | Individual Name on File |
| Last Sale | $480,000 (Nov 2020) |
| Tax Bill | $5,647 (2023) |
| Deeds & Mortgages | May 2019 Mortgage Nov 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 091-097-80 |
| Primary APN | 091-097-80 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,600 sqft Heated Area |
| Gross Area | 1,792 sqft |
| 1st Floor Area | 1,600 sqft |
| Year Built | Built 1955 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Brick Veneer |
| Foundation Type | Raised |
| Lot Area | 4,763 sqft (0.109 acres) |
| Porch | Porch |
| Porch Area | 192 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Old Parcel Number | 091-097-80 |
|---|---|
| Street Address | 3520 SPENCER ST |
| City | CHARLOTTE |
| State | NC |
| Zip | 28205-1244 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-22MF |
| Legal Description | L3 M46-947 |
| Legal Subdivision | PARCEL 9109716 |
| Legal Lot Number | 3 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 1, CHARLOTTE |
| Census Block Group | 1 |
| Census Block | 1027 |
| Census Tract | 1400 |
3520 Spencer St is owned and occupied by an individual who bought it in November 2020.
Source: Mecklenburg County records, as of May 24, 2023
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 3520 SPENCER ST, CHARLOTTE, NC 28205-1244 |
| 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.
| Date | Document |
|---|---|
| May 21, 2019 | Deed of Trust, Mortgage · Commercial Mortgage SUN TRUST BANK |
| Nov 13, 2020 | Warranty Deed, Transfer · Conventional Mortgage TRUIST BANK |
| Apr 20, 2020 | Quit Claim Deed, Transfer · VA Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 13, 2020 · Amount on File |
| Deed Sale | Nov 13, 2020 · Amount on File |
| Prior Sale | Apr 20, 2020 |
| Deed Document Number | 0035310421 |
| Deed Book / Page | 35310 / 421 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 3520 SPENCER ST, CHARLOTTE, NC 28205-1244 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TITLE365 |
| Name | Verified Name |
|---|
| Document Number | 0000061537 |
|---|---|
| Date | May 21, 2019 |
| Book Page | 33525/107 |
| Instrument | 2019061537 |
| Name | SUN TRUST BANK |
|---|---|
| Type | Bank |
| Address | NASHVILLE, TN 37214 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 10, 2049 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Nov 13, 2020 |
| Property Address | 3520 SPENCER ST, CHARLOTTE, NC 28205-1244 |
| Document Number | 0000191352 |
| Book / Page | 35310 / 421 |
| Map Reference | MB 46 PG 947 |
| Instrument Date | Nov 12, 2020 |
| Instrument | 2020191352 |
| Transaction Type | Transfer |
| Record Updated | Jun 15, 2021 |
| Title Company | INTEGRATED TITLE SERVICES |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $960.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3435 ROYAL CREST DR, 3435, CHARLOTTE, NC 28210-3036 |
| Name | Verified Name |
|---|---|
| Address | 3520 SPENCER ST, CHARLOTTE, NC 28205-1244 |
| Document Number | 0000191353 |
|---|---|
| Date | Nov 13, 2020 |
| Instrument | 2020191353 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Apr 20, 2020 |
| Property Address | 3520 SPENCER ST, CHARLOTTE, NC 28205-1244 |
| Document Number | 0000054497 |
| Book / Page | 034484 / 000170 |
| Instrument Date | Apr 11, 2020 |
| Instrument | 54497 |
| Transaction Type | Transfer |
| Record Updated | Jun 3, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 3526 SPENCER ST CHARLOTTE NC 28205, CHARLOTTE, NC 28205 |
| Document Number | 54498 |
|---|---|
| Date | Apr 20, 2020 |
| Book Page | 034484/000173 |
| Instrument | 54498 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 19, 2050 |
Source: Mecklenburg County assessment roll, as of January 1, 2023
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mecklenburg County |
| Municipality | Charlotte City |
| Unified School District | Charlotte-Mecklenburg Schools (PK - 12) |
FEMA maps place 3520 Spencer St in Zone X, an area of minimal flood risk.
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 risk around 3520 Spencer 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 Risk | Low lower than 99.1% of the US · lower than 99.5% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 558 locations within half a mile, as of December 31, 2025
| Provider | Max 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 | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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