3632 Commonwealth Ave, Charlotte, NC 28205 Property Records

Mecklenburg County property record for 3632 Commonwealth Ave, Charlotte, NC 28205

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,667 sqft · built 1940
Lot Size	0.55 acres (23,949 sqft)
Owner	2 Individual Names on File
Last Sale	$430,000 (Jun 2020)
Tax Bill	$4,440 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`129-101-27`

Property Details

APN / Parcel Number

Primary APN	`129-101-27`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,667 sqft Living Area
1st Floor Area	1,667 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 2000
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Raised
Roof Type	Gable
Roof Material	Other
Lot Area	23,949 sqft (0.55 acres)
Garage Area	360 sqft

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	149 sqft
Deck Area	208 sqft
Patio Area	16 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	3632 COMMONWEALTH AVE
City	CHARLOTTE
State	NC
Zip	28205-6233
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	P3 M884-521
Legal Subdivision	WILEY & SIPE PROP
Legal Block	1
Legal Lot Number	27
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	3
Census Block	3002
Census Tract	1801

Owner

3632 Commonwealth Ave is owned and occupied by two individuals who bought it in June 2020.

Source: Mecklenburg County records, as of July 15, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3632 COMMONWEALTH AVE, CHARLOTTE, NC 28205-6233
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Jun 29, 2026	Special Warranty Deed, Transfer · Line of Credit ANDREWS FEDERAL CREDIT UNION
Jun 8, 2020	Warranty Deed, Transfer · Conventional with PMI BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 8, 2020 · Amount on File
Deed Sale	Jun 8, 2020 · Amount on File
Prior Sale	Oct 1, 2013 · Amount on File
Deed Document Number	202082893
Deed Book / Page	34662 / 524
Prior Transfer Date	Nov 18, 2016
Prior Transfer Doc	0000160360
Record Updated	Oct 29, 2026

June 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Jun 29, 2026
Property Address	3632 COMMONWEALTH AVE, CHARLOTTE, NC 28205-6233
Document Number	0000068786
Book / Page	40533 / 667
Instrument Date	Jun 24, 2026
Instrument	202668786
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	MORTGAGE INFORMATION SERVICES

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3632 COMMONWEALTH AVE, CHARLOTTE, NC 28205-6233
Investor	Possibly a Property Investor

Mortgage

Document Number	0000068787,
Date	Jun 29, 2026
Instrument	202668787

Lender

Name	ANDREWS FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Jul 25, 2046

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Jun 8, 2020
Property Address	3632 COMMONWEALTH AVE, CHARLOTTE, NC 28205-6233
Document Number	0000082893
Book / Page	034662 / 000524
Instrument Date	Jun 3, 2020
Instrument	82893
Transaction Type	Transfer
Record Updated	Jun 30, 2020
Title Company	BARRISTERS TITLE SERVICES/THE CARO, BARRISTERS TITLE SVCS/THE CARO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$860.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3632 COMMONWEALTH AVE CHARLOTTE NC 282056233, CHARLOTTE, NC 28205-6233

Mortgage

Document Number	82894
Date	Jun 8, 2020
Book Page	034662/000527
Instrument	82894

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 7, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 3632 Commonwealth Ave was $4,440.

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	$4,440.00	$556,300 Land $237,500 Building $318,800	$556,300 Land $237,500 Building $318,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3632 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	5 in force
Nearby Flood Claims	15 (1982–2024)
Most Recent Claim	Jan 2024 · river or lake flooding

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 3632 Commonwealth Ave is low, with 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 98% of the US · lower than 99% of North Carolina
Wildfire Likelihood	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 271 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	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Google Fiber.

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