412 State St, Charlotte, NC 28208 Property Records

Mecklenburg County property record for 412 State St, Charlotte, NC 28208

Property Summary

Property Type	Townhouse
Details	3 bd · 3.5 ba · 2,176 sqft · built 2024
Lot Size	0.03 acres (1,307 sqft)
Owner	Company Name on Record
Last Sale	$350,000 (Sep 2022)
Tax Bill	$2,525 (2023)
Deeds & Mortgages	Feb 2024 Line of Credit Dec 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`071-105-09`

Property Details

APN / Parcel Number

Primary APN	`071-105-09`
Alternative APN	`071-105-77`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	2,176 sqft Living Area
1st Floor Area	920 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	1,307 sqft (0.03 acres)

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Street Address	412 STATE ST
City	CHARLOTTE
State	NC
Zip	28208-4247
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R-8
Legal Description	L3 M73-444
Legal Subdivision	W W COX PROP
Legal Block	3
Legal Lot Number	3
Jurisdiction	MECKLENBURG NC

Owner

Source: Mecklenburg County records, as of April 17, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	613 W WORTHINGTON AVE, CHARLOTTE, NC 28203-2000
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Feb 20, 2024	Deed of Trust, Mortgage · Line of Credit F PHILIP G SINGER
Dec 22, 2023	Deed of Trust, Mortgage ONE FACAI LLC
Nov 4, 2022	Warranty Deed, Transfer
Sep 13, 2022	Warranty Deed, Transfer · Conventional Mortgage NORTHPOINTE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 13, 2022 · Amount on Record
Deed Sale	Sep 13, 2022 · Amount on Record
Prior Sale	Jul 7, 2006 · Amount on Record
Deed Document Number	2022129774
Deed Book / Page	37639 / 564
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	412 STATE ST, CHARLOTTE, NC 28208-4247
Transaction Type	Mortgage
Record Updated	Feb 29, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014234
Date	Feb 20, 2024
Book Page	38641/194
Instrument	2024014234

Lender

Name	F PHILIP G SINGER
Type	Private Party

Agreement

Type	Line of Credit
Amount	Amount Recorded

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	412 STATE ST, CHARLOTTE, NC 28208-4247
Transaction Type	Mortgage
Record Updated	Jan 10, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	613 W WORTHINGTON AVE, CHARLOTTE, NC 28203-2000

Mortgage

Document Number	0000120065
Date	Dec 22, 2023
Book Page	38553/456
Instrument	2023120065

Lender

Name	ONE FACAI LLC
Type	Non-Lending Institution
Address	CHARLOTTE, NC 28204

Agreement

Amount	Amount Recorded

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Nov 4, 2022
Property Address	412 STATE ST, CHARLOTTE, NC 28208-4247
Document Number	0000151128
Book / Page	37758 / 457
Map Reference	MB 230 PG 210&211
Instrument Date	Oct 27, 2022
Instrument	2022151128
Transaction Type	Transfer
Record Updated	May 25, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	613 W WORTHINGTON AVE, CHARLOTTE, NC 28203-2000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	613 W WORTHINGTON AVE, CHARLOTTE, NC 28203-2000

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Sep 13, 2022
Property Address	412 STATE ST, CHARLOTTE, NC 28208-4247
Document Number	0000129774
Book / Page	37639 / 564
Map Reference	MB 230 PG 210&211
Instrument Date	Sep 12, 2022
Instrument	2022129774
Transaction Type	Transfer
Record Updated	May 25, 2023
Title Company	KEY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$700.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3822 FIRCREST DR, CHARLOTTE, NC 28217-2400

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	613 W WORTHINGTON AVE, CHARLOTTE, NC 28203-2000

Mortgage

Document Number	0000129775
Date	Sep 13, 2022
Instrument	2022129775

Lender

Name	NORTHPOINTE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	7.75%
Type Change Date	Oct 1, 2025
Change Frequency	6 Months
Min Rate At Change	5.75%
Max Rate At Change	9.75%
Index	Other
Max Rate	12.7%

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		$400,300 Land $100,000 Building $300,300	$400,300 Land $100,000 Building $300,300
2023	$2,525.00

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

Flood

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

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	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.

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

Provider	Max Down / Up (Mbps)
AT&T Fiber	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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