Mecklenburg County property record for 4732 Monroe Rd, Charlotte, NC 28205
| Property Type | Retail Stores (Personal Services, Photography, Travel) |
|---|---|
| Details | 6,990 sqft · built 1947 |
| Lot Size | 0.296 acres (12,916 sqft) |
| Owner | Company Name on Record |
| Last Sale | $1,390,000 (Sep 2020) |
| Tax Bill | $9,314 (2023) |
| Deeds & Mortgages | Oct 2025 Mortgage Sep 2020 Sale & Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 161-082-19 |
| Primary APN | 161-082-19 |
|---|
| Total Rooms | 1 Room |
|---|---|
| Stories | 1 Story |
| Building Area | 6,990 sqft Heated Area |
| Gross Area | 7,849 sqft |
| 1st Floor Area | 6,243 sqft |
| Flooring | Concrete/Cement |
| Fireplace | Fireplace |
| Year Built | Built 1947 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Composition/Composite |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Tar & Gravel |
| Lot Area | 12,916 sqft (0.296 acres) |
| Porch | Porch |
| Porch Area | 822 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Old Parcel Number | 161-082-19 |
|---|---|
| Street Address | 4732 MONROE RD |
| City | CHARLOTTE |
| State | NC |
| Zip | 28205-7802 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Retail Stores (Personal Services, Photography, Travel) |
| Local Zoning Code | B-1 |
| Legal Description | L7 B2 M3-622 |
| Legal Subdivision | MARY G ROSS PROP |
| Legal Block | 2 |
| Legal Lot Number | 7 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 1, CHARLOTTE |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 1802 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 2131 AYRSLEY TOWN BLVD STE 300, 300, CHARLOTTE, NC 28273-3596 |
| Owner Type | Company |
| Date | Document |
|---|---|
| Oct 1, 2025 | Deed of Trust, Mortgage · Commercial Mortgage FIRST BANK |
| Sep 11, 2020 | Grant Deed, Transfer · Construction Mortgage BRYANT W & NANCY L CUTTER |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 11, 2020 · Amount on Record |
| Deed Sale | Sep 11, 2020 · Amount on Record |
| Prior Sale | Sep 11, 2020 · Amount on Record |
| Deed Document Number | 0035043454 |
| Deed Book / Page | 35043 / 454 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 4732 MONROE RD, CHARLOTTE, NC 28205-7802 |
| Transaction Type | Mortgage |
| Record Updated | May 22, 2026 |
| Name | Verified Name |
|---|---|
| Address | 2131 AYRSLEY TOWN BLVD 300, 300, CHARLOTTE, NC 28273-3596 |
| Document Number | 0000099975 |
|---|---|
| Date | Oct 1, 2025 |
| Book Page | 39899/685 |
| Instrument | 2025099975 |
| Name | FIRST BANK |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28210 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Sep 11, 2020 |
| Property Address | 4732 MONROE RD, CHARLOTTE, NC 28205-7802 |
| Document Number | 0000146768 |
| Book / Page | 035043 / 000451 |
| Instrument Date | Sep 11, 2020 |
| Instrument | 146768 |
| Transaction Type | Transfer |
| Record Updated | Oct 12, 2020 |
| Title Company | MOREHEAD TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,780.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 2131 AYRSLEY TOWN BLVD #300 CHARLOTTE NC 282733596, 300, CHARLOTTE, NC 28273-3596 |
| Document Number | 146770 |
|---|---|
| Date | Sep 11, 2020 |
| Book Page | 035043/000457 |
| Instrument | 146770 |
| Name | BRYANT W & NANCY L CUTTER |
|---|---|
| Address | 123 BREVARD CT, CHARLOTTE, NC 28202-1926 |
| Special Notes | Seller Financed |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Sep 10, 2021 |
Source: Mecklenburg County assessment roll, as of January 1, 2023
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mecklenburg County |
| Municipality | Charlotte City |
| Unified School District | Charlotte-Mecklenburg Schools (PK - 12) |
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 388 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless in parts of the area | 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 |
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