5020 Elder Ave, Charlotte, NC 28205 Property Records

Mecklenburg County property record for 5020 Elder Ave, Charlotte, NC 28205

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,469 sqft · built 1946
Lot Size	0.298 acres (13,016 sqft)
Owner	Individual Name on Record
Last Sale	$475,000 (Oct 2023)
Tax Bill	$4,078 (2023)
Deeds & Mortgages	Oct 2023 Sale & Mortgage Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`161-091-25`

Property Details

APN / Parcel Number

Primary APN	`161-091-25`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,469 sqft Heated Area
Gross Area	3,031 sqft
1st Floor Area	1,469 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1946
Architectural Style	Other
Exterior Material	Brick Veneer
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	13,016 sqft (0.298 acres)
Porch	Porch
Porch Area	93 sqft
Deck Area	266 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	161-091-25
Street Address	5020 ELDER AVE
City	CHARLOTTE
State	NC
Zip	28205-7820
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	L10 B8 M3-622
Legal Subdivision	PROPERTY/MARY G ROSS
Legal Block	8
Legal Lot Number	10
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	1
Census Block	1007
Census Tract	1802

Owner

Source: Mecklenburg County records, as of November 7, 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
Mailing Address	5020 ELDER AVE, CHARLOTTE, NC 28205-7820
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2023	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA
Apr 27, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Jun 26, 2019	Deed of Trust, Mortgage · Commercial Mortgage FIRST CITIZENS BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 27, 2023 · Amount on Record
Deed Sale	Oct 27, 2023 · Amount on Record
Prior Sale	Apr 27, 2021
Deed Document Number	2023102463
Deed Book / Page	38452 / 302
Record Updated	Jun 7, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Oct 27, 2023
Property Address	5020 ELDER AVE, CHARLOTTE, NC 28205-7820
Document Number	0000102463
Book / Page	38452 / 302
Map Reference	MB 3 PG 622
Instrument Date	Oct 27, 2023
Instrument	2023102463
Transaction Type	Transfer
Record Updated	Nov 8, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$950.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5020 ELDER AVE, CHARLOTTE, NC 28205-7820

Mortgage

Document Number	0000102464
Date	Oct 27, 2023
Instrument	2023102464

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MECKLENBURG NC
Recording Date	Apr 27, 2021
Property Address	5020 ELDER AVE, CHARLOTTE, NC 28205-7820
Document Number	0000083163
Book / Page	35991 / 680
Map Reference	MB 3 PG 622
Instrument Date	Apr 22, 2021
Instrument	2021083163
Transaction Type	Transfer
Record Updated	May 25, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2508 BAY ST, CHARLOTTE, NC 28205-6104

Mortgage

Document Number	0000083164
Date	Apr 27, 2021
Instrument	2021083164

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

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

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	5020 ELDER AVE, CHARLOTTE, NC 28205-7820
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000079395
Date	Jun 26, 2019
Book Page	33618/133
Instrument	2019079395

Lender

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

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$4,078.00	$422,600 Land $275,000 Building $147,600	$422,600 Land $275,000 Building $147,600

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 96% of the US · lower than 97.9% of North Carolina
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL 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

May also be available: Google Fiber.

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