412 E Trade St, Charlotte, NC 28202 Property Records

Mecklenburg County property record for 412 E Trade St, Charlotte, NC 28202

Property Summary

Property Type	Commercial
Lot Size	0.155 acres (6,752 sqft)
Owner	Company Name on File
Last Sale	$2,000,000 (Sep 2025)
Tax Bill	$8,785 (2024)
Deeds & Mortgages	Sep 2025 Sale Feb 2023 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`125-023-14`

Property Details

APN / Parcel Number

Primary APN	`125-023-14`

Exterior

Lot Area	6,752 sqft (0.155 acres)

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	412 E TRADE ST
City	CHARLOTTE
State	NC
Zip	28202
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	UMUD
Legal Subdivision	N WALKER WELLS
Legal Block	3
Legal Lot Number	14
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	2
Census Block	2010
Census Tract	101

Owner

412 E Trade St, a commercial property, is owned by a company that bought it in September 2025.

Source: Mecklenburg County records, as of March 30, 2026

Owner of Record	Company Name on File
Mailing Address	100 N TRYON ST, 4700, CHARLOTTE, NC 28202-4003
Owner Type	Company
Vesting	Limited Liability Partnership

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
Sep 9, 2025	Special Warranty Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE COMPANY LLC
Feb 9, 2023	Deed of Trust, Mortgage · Line of Credit TOWNEBANK
Feb 23, 2017	Deed of Trust, Mortgage · Commercial Mortgage PARAGON COMMERCIAL BANK
Oct 3, 2017	Deed of Trust, Mortgage PARAGON COM'L BK
Oct 3, 2017	Deed of Trust, Mortgage PARAGON COM'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 9, 2025 · Amount on File
Deed Sale	Sep 9, 2025 · Amount on File
Prior Sale	Nov 12, 2015 · Amount on File
Deed Document Number	202591330
Deed Book / Page	39846 / 508
Prior Transfer Date	Sep 15, 2003
Prior Transfer Doc	0000217032
Record Updated	Oct 29, 2026

September 2025: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Sep 9, 2025
Property Address	412 E TRADE ST, CHARLOTTE, NC 28202
Document Number	0000091330
Book / Page	39846 / 508
Instrument Date	Sep 9, 2025
Instrument	2025091330
Transaction Type	Transfer
Record Updated	Oct 1, 2025
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE COMPANY LLC

Transaction

Amount	Amount on Record
Tax	$4,000.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 30067, CHARLOTTE, NC 28230-0067

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	100 N TRYON ST STE 4700, 4700, CHARLOTTE, NC 28202-4003

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	412 E TRADE ST, CHARLOTTE, NC 28202
Transaction Type	Mortgage
Record Updated	Sep 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	206 PERRLN PI, CHARLOTTE, NC 28207

Mortgage

Document Number	0000011145
Date	Feb 9, 2023
Book Page	37924/528
Instrument	2023011145

Lender

Name	TOWNEBANK
Type	Bank
Address	CHARLOTTE, NC 28211

Agreement

Type	Line of Credit
Amount	Amount on Record

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	412 E TRADE ST, CHARLOTTE, NC 28202
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000023362
Date	Feb 23, 2017
Book Page	31586/971
Instrument	2017023362

Lender

Name	PARAGON COMMERCIAL BANK
Type	Bank
Address	CHARLOTTE, NC 28211

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	412 E TRADE ST, CHARLOTTE, NC 28202
Document Number	0000134869
Instrument Date	Oct 3, 2017
Transaction Type	Mortgage
Record Updated	Oct 19, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	132 BREVARD CT CHARLOTTE NC 282021927, CHARLOTTE, NC 28202-1927

Mortgage

Document Number	0000134869
Date	Oct 4, 2017
Book Page	032173/000050
Instrument	134869

Lender

Name	PARAGON COM'L BK
Type	Bank
Address	6337 MORRISON BLVD, CHARLOTTE, NC 28211-3510

Agreement

Amount	Amount on Record

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	412 E TRADE ST, CHARLOTTE, NC 28202
Document Number	0000134870
Instrument Date	Oct 3, 2017
Transaction Type	Mortgage
Record Updated	Jan 10, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	132 BREVARD CT CHARLOTTE NC 282021927, CHARLOTTE, NC 28202-1927

Mortgage

Document Number	0000134870
Date	Oct 4, 2017
Book Page	032173/000073
Instrument	134870

Lender

Name	PARAGON COM'L BK
Type	Bank
Address	6337 MORRISON BLVD, CHARLOTTE, NC 28211-3510

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

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		$1,109,500 Land $1,098,900 Building $10,600	$1,109,500 Land $1,098,900 Building $10,600
2024	$8,785.00 (-36.04%)
2023	$13,735.00	$1,423,400 Land $1,412,800 Building $10,600	$1,109,500 Land $1,098,900 Building $10,600

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

Flood

FEMA maps place 412 E Trade St 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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	1 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

The area around 412 E Trade St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 51 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: Google Fiber, Spectrum, T-Mobile, Verizon.

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