431 Boyce Rd, Charlotte, NC 28211 Property Records

Mecklenburg County property record for 431 Boyce Rd, Charlotte, NC 28211

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,056 sqft · built 1964
Lot Size	0.644 acres (28,069 sqft)
Owner	Individual Name on Record
Last Sale	$338,000 (Nov 2019)
Tax Bill	$4,886 (2023)
Deeds & Mortgages	Oct 2021 Mortgage Oct 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`189-271-07`

Property Details

APN / Parcel Number

Primary APN	`189-271-07`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,056 sqft Heated Area
Gross Area	3,951 sqft
1st Floor Area	1,556 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Architectural Style	Other
Exterior Material	Brick Veneer
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	28,069 sqft (0.644 acres)
Garage Area	300 sqft
Patio Area	274 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Old Parcel Number	189-271-07
Street Address	431 BOYCE RD
City	CHARLOTTE
State	NC
Zip	28211-6009
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	L4 BA M1698 409
Legal Subdivision	CHARLES F GRIFFITH
Legal Block	A
Legal Lot Number	4
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	3
Census Block	3003
Census Tract	2008

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	431 BOYCE RD, CHARLOTTE, NC 28211-6009
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Oct 18, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Jan 10, 2017	Deed of Trust, Mortgage · Line of Credit FOUNDER FEDERAL CREDIT UNION
Apr 25, 2019	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK
Nov 7, 2019	Warranty Deed, Transfer · Conventional Mortgage AMERICAN SECURITY MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 7, 2019 · Amount on Record
Deed Sale	Nov 7, 2019 · Amount on Record
Prior Sale	May 18, 2007 · Amount on Record
Deed Document Number	0034020362
Deed Book / Page	34020 / 362
Record Updated	Jun 7, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	431 BOYCE RD, CHARLOTTE, NC 28211-6009
Transaction Type	Mortgage
Record Updated	May 25, 2023
Title Company	WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000203050
Date	Oct 25, 2021
Book Page	36680/465
Instrument	2021203050

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

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

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	431 BOYCE RD, CHARLOTTE, NC 28211-6009
Transaction Type	Mortgage
Record Updated	May 25, 2023
Title Company	WFG LENDER SERVICES, WFG LENDER SERVICES RESWARE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000143941
Date	Oct 18, 2022
Book Page	37718/483
Instrument	2022143941

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Sep 26, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	431 BOYCE RD, CHARLOTTE, NC 28211-6009
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003620
Date	Jan 10, 2017
Book Page	31488/871
Instrument	2017003620

Lender

Name	FOUNDER FEDERAL CREDIT UNION
Type	Non-Lending Institution
Address	LANCASTER, SC 29720

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jan 5, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	431 BOYCE RD, CHARLOTTE, NC 28211-6009
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000048349
Date	Apr 25, 2019
Book Page	33452/476
Instrument	2019048349

Lender

Name	FIFTH THIRD BANK
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 25, 2049

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Nov 7, 2019
Property Address	431 BOYCE RD, CHARLOTTE, NC 28211-6009
Document Number	0000152300
Book / Page	34020 / 362
Map Reference	MB 1698 PG 409
Instrument Date	Nov 6, 2019
Instrument	2019152300
Transaction Type	Transfer
Record Updated	Jun 15, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$676.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	501 CONAWAY CT, 501, WAXHAW, NC 28173-9811

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	431 BOYCE RD, CHARLOTTE, NC 28211-6009

Mortgage

Document Number	0000152301
Date	Nov 7, 2019
Instrument	2019152301

Lender

Name	AMERICAN SECURITY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

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 · 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	8 in force
Nearby Flood Claims	9 (2008–2024)
Most Recent Claim	Jan 2024 · rainfall accumulation
Claims by Event	Hurricane Florence, Sep 2018 · 4 claims

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

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

Wildfire Risk	Low lower than 94% of the US · lower than 96% of North Carolina
Wildfire Likelihood	0.02% 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 208 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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