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3608 S Downs Trl, Charlotte, NC 28215 Property Records

Mecklenburg County property record for 3608 S Downs Trl, Charlotte, NC 28215

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,598 sqft · built 1991
Lot Size0.583 acres (25,410 sqft)
Owner2 Individual Names on File
Last Sale$330,000 (Oct 2018)
Tax Bill$4,084 (2023)
Deeds & MortgagesDec 2025 Line of Credit
Sep 2021 Mortgage
+ 3 more
Flood ZoneZone X (minimal risk)
APN105-311-26

Property Details

APN / Parcel Number

Primary APN105-311-26

Interior

Bedrooms4 Beds
Full Baths3 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,598 sqft Heated Area
Gross Area3,122 sqft
1st Floor Area1,121 sqft
Upper Floors Area1,477 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1991
Architectural StyleOther
Exterior MaterialBrick Veneer
Foundation TypeRaised
Roof MaterialAsphalt
Lot Area25,410 sqft (0.583 acres)
Garage Area524 sqft
Patio Area336 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air
Heating FuelGas

Location & Zoning

Old Parcel Number105-311-26
Street Address3608 S DOWNS TRL
CityCHARLOTTE
StateNC
Zip28215-5326
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-3
Legal DescriptionL98 M23-627
Legal SubdivisionBRANTLEY OAKS MAP 10
Legal Lot Number98
JurisdictionMECKLENBURG NC
Township / Civil Division1, CHARLOTTE
Census Block Group1
Census Block1004
Census Tract5618

Owner

3608 S Downs Trl is owned and occupied by two individuals who bought it in October 2018.

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

Owner of Record2 Individual Names on File
Mailing Address3608 S DOWNS TRL, CHARLOTTE, NC 28215-5326
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
Dec 17, 2025Deed of Trust, Mortgage · Line of Credit
PNC BANK NA
Sep 23, 2021Deed of Trust, Mortgage · FHA Mortgage
ROCKET MORTGAGE LLC
Oct 15, 2019Deed of Trust, Mortgage · FHA Mortgage
QUICKEN LNS
Oct 9, 2018Warranty Deed, Transfer · FHA Mortgage
QUICKEN LNS
Sep 2, 2017Deed of Trust, Mortgage · Conventional Mortgage
QUICKEN LNS

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 9, 2018 · Amount on File
Deed SaleOct 9, 2018 · Amount on File
Prior SaleJun 11, 2012
Deed Document Number0033033454
Deed Book / Page33033 / 454
Record UpdatedJun 7, 2026

December 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMECKLENBURG NC
Property Address3608 S DOWNS TRL, CHARLOTTE, NC 28215-5326
Transaction TypeMortgage
Record UpdatedJan 1, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address3608 S DOWNS TRL, CHARLOTTE, NC 28215-5326

Mortgage

Document Number0000129334
DateDec 17, 2025
Book Page40077/987
Instrument2025129334
Lender
NamePNC BANK NA
TypeBank
AddressWILMINGTON, DE 19801
Agreement
TypeLine of Credit
AmountAmount on Record
Term480 Months
DueDec 15, 2065
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

September 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMECKLENBURG NC
Property Address3608 S DOWNS TRL, CHARLOTTE, NC 28215-5326
Transaction TypeMortgage
Record UpdatedMay 25, 2023
Title CompanyAMROCK INC, AMROCK

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000182798
DateSep 23, 2021
Book Page36564/1
Instrument2021182798
Lender
NameROCKET MORTGAGE LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueOct 1, 2051

October 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMECKLENBURG NC
Property Address3608 S DOWNS TRL, CHARLOTTE, NC 28215-5326
Document Number0000141658
Instrument DateOct 15, 2019
Transaction TypeMortgage
Record UpdatedNov 12, 2019
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address3608 S DOWNS TRL CHARLOTTE NC 282155326, CHARLOTTE, NC 28215-5326

Mortgage

Document Number0000141658
DateOct 21, 2019
Book Page033961/000926
Instrument141658
Lender
NameQUICKEN LNS
TypeFunding / Finance Company
AddressDETROIT, MI 48226-1906
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term360 Months
DueOct 20, 2049

October 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMECKLENBURG NC
Recording DateOct 9, 2018
Property Address3608 S DOWNS TRL, CHARLOTTE, NC 28215-5326
Document Number0000127598
Book / Page033033 / 000454
Instrument DateOct 9, 2018
Instrument127598
Transaction TypeTransfer
Record UpdatedNov 2, 2018
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$660.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address3608 S DOWNS TRL CHARLOTTE NC 282155326, CHARLOTTE, NC 28215-5326

Mortgage

Document Number127599
DateOct 9, 2018
Book Page033033/000456
Instrument127599
Lender
NameQUICKEN LNS
TypeFunding / Finance Company
AddressDETROIT, MI 48226-1906
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term360 Months
DueOct 8, 2048

September 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMECKLENBURG NC
Property Address3608 S DOWNS TRL, CHARLOTTE, NC 28215-5326
Document Number0000121413
Book / Page032102 / 000948
Instrument DateSep 2, 2017
Transaction TypeMortgage
Record UpdatedSep 15, 2017
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address3608 S DOWNS TRL CHARLOTTE NC 282155326, CHARLOTTE, NC 28215-5326

Mortgage

Document Number0000121413
DateSep 7, 2017
Book Page032102/000948
Instrument121413
Lender
NameQUICKEN LNS
TypeFunding / Finance Company
AddressDETROIT, MI 48226-1906
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term156 Months
DueSep 6, 2030

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 3608 S Downs Trl in Zone X, an area of minimal flood risk.

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 Policies1 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 3608 S Downs Trl is low, with a 0.04% annual chance of wildfire.

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

Wildfire RiskLow
lower than 63% of the US · above 51% of North Carolina
Wildfire Likelihood0.04% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 115 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000
Spectrum
Cable		1,000 / 35
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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