438 Bacon Ave, Charlotte, NC 28208 Property Records

Mecklenburg County property record for 438 Bacon Ave, Charlotte, NC 28208

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,088 sqft · built 2001
Lot Size	0.301 acres (13,112 sqft)
Owner	Individual Name on File
Last Sale	$315,000 (Sep 2018)
Tax Bill	$3,970 (2024)
Deeds & Mortgages	May 2026 Mortgage Apr 2026 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`071-104-13`

Property Details

APN / Parcel Number

Primary APN	`071-104-13`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,088 sqft Living Area
1st Floor Area	1,088 sqft

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2010
Exterior Material	Concrete
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,112 sqft (0.301 acres)
Porch	Finished/Open Porch
Porch Area	320 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	438 BACON AVE
City	CHARLOTTE
State	NC
Zip	28208-4207
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-8
Legal Description	L9-A M33-687
Legal Subdivision	SEVERSVILLE
Legal Block	4
Legal Lot Number	9
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	3
Census Block	3013
Census Tract	4500

Owner

438 Bacon Ave is owned and occupied by an individual who bought it in September 2018.

Source: Mecklenburg County records, as of May 27, 2026

Owner of Record	Individual Name on File
Mailing Address	438 BACON AVE, CHARLOTTE, NC 28208-4207
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

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
May 13, 2026	Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC
Apr 15, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Oct 24, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage CAROLINA SMALL BUSINESS
Mar 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage NP INC
Sep 6, 2018	Warranty Deed, Transfer · Conventional Mortgage SOUTH STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 6, 2018 · Amount on File
Deed Sale	Sep 6, 2018 · Amount on File
Prior Sale	Jun 17, 2016 · Amount on File
Deed Document Number	2018113150
Deed Book / Page	32958 / 46
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Recording Date	May 13, 2026
Property Address	438 BACON AVE, CHARLOTTE, NC 28208-4207
Document Number	0000049810
Book / Page	40416 / 691
Instrument Date	May 7, 2026
Instrument	202649810
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	AVENUE 365 LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	438 BACON AVE, CHARLOTTE, NC 28208-4207

Mortgage

Document Number	0000049810,
Date	May 13, 2026
Book Page	40416/691
Instrument	202649810

Lender

Name	NEWREZ LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months

Interest

Rate	6.37%
Max Rate	-1%

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Apr 15, 2026
Property Address	438 BACON AVE, CHARLOTTE, NC 28208-4207
Document Number	0000038141
Book / Page	40344 / 387
Instrument Date	Apr 14, 2026
Instrument	202638141
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

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
Relationship	Sole Owner
Address	438 BACON AVE, CHARLOTTE, NC 28208-4207

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	438 BACON AVE, CHARLOTTE, NC 28208-4207
Transaction Type	Mortgage
Record Updated	May 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	438 BACON AVE, CHARLOTTE, NC 28208-4207

Mortgage

Document Number	0000146194
Date	Oct 24, 2022
Book Page	37729/729
Instrument	2022146194

Lender

Name	CAROLINA SMALL BUSINESS
Type	Non-Lending Institution
Address	RALEIGH, NC 27604

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	438 BACON AVE, CHARLOTTE, NC 28208-4207
Transaction Type	Mortgage
Record Updated	May 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000042796
Date	Mar 4, 2021
Book Page	35757/503
Instrument	2021042796

Lender

Name	NP INC
Type	Mortgage Company
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Sep 6, 2018
Property Address	438 BACON AVE, CHARLOTTE, NC 28208-4207
Document Number	0000113150
Book / Page	32958 / 046
Map Reference	MB33 PG687
Instrument Date	Jun 5, 2018
Instrument	2018113150
Transaction Type	Transfer
Record Updated	Jun 15, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$630.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1554 KEE CT, 1554, CHARLOTTE, NC 28203-4480

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	438 BACON AVE, CHARLOTTE, NC 28208-4207

Mortgage

Document Number	0000113151
Date	Sep 6, 2018
Instrument	2018113151

Lender

Name	SOUTH STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2048

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		$504,100 Land $287,500 Building $216,600	$504,100 Land $287,500 Building $216,600
2024	$3,970.00

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

Flood

FEMA maps place 438 Bacon Ave in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 1997.

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	6 in force
Nearby Flood Claims	9 (1997–2006)
Most Recent Claim	Jul 2006 · rainfall accumulation

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 438 Bacon Ave is low, with less than 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	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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