423 State St, Charlotte, NC 28208 Property Records

Mecklenburg County property record for 423 State St, Charlotte, NC 28208

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,523 sqft · built 2015
Lot Size	0.113 acres (4,923 sqft)
Owner	Individual Name on Record
Last Sale	$670,000 (Nov 2021)
Tax Bill	$6,482 (2023)
Deeds & Mortgages	Nov 2023 Line of Credit Jul 2025 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`071-072-30`

Property Details

APN / Parcel Number

Primary APN	`071-072-30`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,523 sqft Heated Area
Gross Area	3,424 sqft
1st Floor Area	864 sqft
Upper Floors Area	1,360 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	4,923 sqft (0.113 acres)
Garage Area	552 sqft

Exterior Amenities

Porch	Porch
Porch Area	192 sqft
Deck Area	144 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	071-072-30
Street Address	423 STATE ST
City	CHARLOTTE
State	NC
Zip	28208-4246
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-8
Legal Description	L1B M56-725
Legal Subdivision	SAVONA REALTY CO PROP
Legal Lot Number	1B
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	1
Census Block	1003
Census Tract	4102

Owner

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

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	7309 KILDAY CV, AUSTIN, TX 78744-8301
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 14, 2023	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Jul 31, 2025	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Nov 17, 2021	Warranty Deed, Transfer · Conventional Mortgage AMERICAN SECURITY MORTGAGE CORP
Jan 12, 2018	Deed of Trust, Mortgage · Line of Credit PINNACLE BANK
Jun 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 17, 2021 · Amount on Record
Deed Sale	Nov 17, 2021 · Amount on Record
Prior Sale	Jan 8, 2016 · Amount on Record
Deed Document Number	0036772687
Deed Book / Page	36772 / 687
Record Updated	Sep 20, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	423 STATE ST, CHARLOTTE, NC 28208-4246
Transaction Type	Mortgage
Record Updated	May 22, 2026
Title Company	STEWART TITLE, STEWART TTL GUARANTY NON CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	423 STATE ST, CHARLOTTE, NC 28208-4246

Mortgage

Document Number	0000107607
Date	Nov 14, 2023
Book Page	38481/826
Instrument	2023107607

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Jul 31, 2025
Property Address	423 STATE ST, CHARLOTTE, NC 28208-4246
Document Number	0000076333
Book / Page	39758 / 533
Map Reference	MB 56 PG 865
Instrument Date	Jul 31, 2025
Instrument	2025076333
Transaction Type	Transfer
Record Updated	May 22, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,590.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1121 SUGAR CREEK RD, INDIAN LAND, SC 29707-6426

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	423 STATE ST, CHARLOTTE, NC 28208-4246

Mortgage

Document Number	0000076334
Date	Jul 31, 2025
Instrument	2025076334

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2055

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Nov 17, 2021
Property Address	423 STATE ST, CHARLOTTE, NC 28208-4246
Document Number	0000218948
Book / Page	36772 / 687
Map Reference	MB 56 PG 865
Instrument Date	Nov 16, 2021
Instrument	2021218948
Transaction Type	Transfer
Record Updated	May 22, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,340.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1609 MERRIMAN AVE, CHARLOTTE, NC 28203-4318

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7309 KILDAY CV, AUSTIN, TX 78744-8301

Mortgage

Document Number	0000218949
Date	Nov 17, 2021
Instrument	2021218949

Lender

Name	AMERICAN SECURITY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

Mortgage

Document Number	0000218950
Date	Nov 17, 2021
Book Page	36772/699
Instrument	2021218950

Lender

Name	TOWER FCU
Type	Credit Union
Address	LAUREL, MD 20707

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Dec 25, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	423 STATE ST, CHARLOTTE, NC 28208-4246
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004340
Date	Jan 12, 2018
Book Page	32401/388
Instrument	2018004340

Lender

Name	PINNACLE BANK
Type	Bank
Address	THOMASVILLE, NC 27361

Agreement

Type	Line of Credit
Amount	Amount Recorded

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	423 STATE ST, CHARLOTTE, NC 28208-4246
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000086126
Date	Jun 12, 2020
Book Page	34680/331
Instrument	2020086126

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

Source: Mecklenburg County assessment roll, as of January 1, 2023

Property Jurisdictions

Type	Name
State	North Carolina
County	Mecklenburg County
Municipality	Charlotte City
Unified School District	Charlotte-Mecklenburg Schools (PK - 12)

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.

Nearby Properties on State St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures