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3623 S Downs Trl, Charlotte, NC 28215 Property Records

Mecklenburg County property record for 3623 S Downs Trl, Charlotte, NC 28215

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,840 sqft · built 1990
Lot Size1.05 acres (45,825 sqft)
Owner2 Individual Names on File
Last Sale$335,000 (Mar 2017)
Tax Bill$4,362 (2023)
Deeds & MortgagesApr 2021 Mortgage
Jul 2020 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN105-311-23

Property Details

APN / Parcel Number

Primary APN105-311-23

Interior

Bedrooms4 Beds
Full Baths3 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,840 sqft Heated Area
Gross Area3,746 sqft
1st Floor Area1,222 sqft
Upper Floors Area1,618 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1990
Architectural StyleOther
Exterior MaterialBrick Veneer
Foundation TypeRaised
Roof MaterialAsphalt
Lot Area45,825 sqft (1.05 acres)
Garage Area696 sqft

Exterior Amenities

PorchPorch
Porch Area210 sqft
Deck Area240 sqft
Patio Area440 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air
Heating FuelGas

Location & Zoning

Old Parcel Number105-311-23
Street Address3623 S DOWNS TRL
CityCHARLOTTE
StateNC
Zip28215-5326
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-3
Legal DescriptionL101 M23-627
Legal SubdivisionBRANTLEY OAKS
Legal Lot Number101
JurisdictionMECKLENBURG NC
Township / Civil Division1, CHARLOTTE
Census Block Group1
Census Block1004
Census Tract5618

Owner

3623 S Downs Trl is owned and occupied by two individuals who bought it in March 2017.

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

Owner of Record2 Individual Names on File
Mailing Address3623 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
Apr 6, 2021Deed of Trust, Mortgage · VA Mortgage
FREEDOM MORTGAGE CORP
Jul 7, 2020Deed of Trust, Mortgage · VA Mortgage
BNC NATIONAL BANK
Mar 3, 2017Warranty Deed, Transfer · VA Mortgage
KS STATEBANK

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 3, 2017 · Amount on File
Deed SaleMar 3, 2017 · Amount on File
Prior SaleMar 12, 2015 · Amount on File
Deed Document Number0031611964
Deed Book / Page31611 / 964
Record UpdatedJun 7, 2026

April 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMECKLENBURG NC
Property Address3623 S DOWNS TRL, CHARLOTTE, NC 28215-5326
Transaction TypeMortgage
Record UpdatedMay 25, 2023
Title CompanyINSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

NameVerified Name
InvestorPossibly a Property Investor

Mortgage

Document Number0000067363
DateApr 6, 2021
Book Page35902/853
Instrument2021067363
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressBOCA RATON, FL 33431
Agreement
TypeVA Mortgage
AmountAmount on Record
Term355 Months
DueNov 1, 2050

July 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMECKLENBURG NC
Property Address3623 S DOWNS TRL, CHARLOTTE, NC 28215-5326
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanySOLIDIFI TITLE & CLOSING LLC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000101467
DateJul 7, 2020
Book Page34774/142
Instrument2020101467
Lender
NameBNC NATIONAL BANK
TypeBank
AddressGLENDALE, AZ 85308
Agreement
TypeVA Mortgage
AmountAmount on Record
Term361 Months
DueAug 1, 2050

March 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMECKLENBURG NC
Recording DateMar 3, 2017
Property Address3623 S DOWNS TRL, CHARLOTTE, NC 28215-5326
Document Number0000027983
Book / Page031611 / 000964
Instrument DateFeb 10, 2017
Instrument27983
Transaction TypeTransfer
Record UpdatedMar 9, 2017
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$670.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipMarried Couple
Address3623 S DOWNS TRL CHARLOTTE NC 282155326, CHARLOTTE, NC 28215-5326

Mortgage

Document Number27984
DateMar 3, 2017
Book Page031611/000967
Instrument27984
Lender
NameKS STATEBANK
AddressMANHATTAN, KS 66502
Agreement
TypeVA Mortgage
AmountAmount on Record
Term360 Months
DueMar 2, 2047

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 3623 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 3623 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 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood0.04% annual chance
ExposureDirect
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 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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