5115 Elder Ave, Charlotte, NC 28205 Property Records

Mecklenburg County property record for 5115 Elder Ave, Charlotte, NC 28205

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,284 sqft · built 1947
Lot Size	0.296 acres (12,917 sqft)
Owner	Individual Name on Record
Tax Bill	$3,781 (2023)
Deeds & Mortgages	Jul 2023 Line of Credit Apr 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`161-108-44`

Property Details

APN / Parcel Number

Primary APN	`161-108-44`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,284 sqft Heated Area
Gross Area	1,354 sqft
1st Floor Area	1,284 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1947
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	12,917 sqft (0.296 acres)
Porch	Porch
Porch Area	70 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	161-108-44
Street Address	5115 ELDER AVE
City	CHARLOTTE
State	NC
Zip	28205-7907
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	L10 B4 M3-622
Legal Subdivision	MARY G ROSS PROP
Legal Block	4
Legal Lot Number	10
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	1
Census Block	1010
Census Tract	1802

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	5115 ELDER AVE, CHARLOTTE, NC 28205-7907
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Apr 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage MISSION LOANS LLC
May 8, 2019	Deed of Trust, Mortgage · Line of Credit LOCAL GOVERNMENT FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 14, 2003
Deed Sale	Jul 14, 2003
Deed Document Number	0015688410
Record Updated	Jun 7, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	5115 ELDER AVE, CHARLOTTE, NC 28205-7907
Transaction Type	Mortgage
Record Updated	Jul 17, 2023
Title Company	WFG LENDER SERVICES, WFG LENDER SERVICES RESWARE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000063852
Date	Jul 6, 2023
Book Page	38234/344
Instrument	2023063852

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jun 23, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	5115 ELDER AVE, CHARLOTTE, NC 28205-7907
Transaction Type	Mortgage
Record Updated	May 25, 2023
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000054225
Date	Apr 7, 2022
Book Page	37232/655
Instrument	2022054225

Lender

Name	MISSION LOANS LLC
Type	Mortgage Company
Address	DIAMOND BAR, CA 91765

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	5115 ELDER AVE, CHARLOTTE, NC 28205-7907
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000054907
Date	May 8, 2019
Book Page	33490/070
Instrument	2019054907

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union
Address	CHARLOTTE, NC 28211

Agreement

Type	Line of Credit
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)

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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