515 State St, Charlotte, NC 28208 Property Records

Mecklenburg County property record for 515 State St, Charlotte, NC 28208

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,456 sqft · built 1931
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on File
Last Sale	$335,000 (Nov 2017)
Tax Bill	$4,198 (2025)
Deeds & Mortgages	Jan 2020 Mortgage May 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`071-072-08`

Property Details

APN / Parcel Number

Primary APN	`071-072-08`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,456 sqft Living Area
1st Floor Area	1,456 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1931
Effective Year Built	Effective 2015
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Roof Type	Hip
Roof Material	Other
Lot Area	7,841 sqft (0.18 acres)
Garage Type	Carport
Carport	Carport
Porch	Finished/Open Porch
Porch Area	60 sqft
Patio Area	72 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	515 STATE ST
City	CHARLOTTE
State	NC
Zip	28208-4248
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-8
Legal Description	L8 B1 M4-463
Legal Subdivision	SAVONA REALTY CO PROP
Legal Block	1
Legal Lot Number	8
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	1
Census Block	1003
Census Tract	4102

Owner

515 State St is owned and occupied by an individual who bought it in November 2017.

Source: Mecklenburg County records, as of September 21, 2026

Owner of Record	Individual Name on File
Mailing Address	515 STATE ST, CHARLOTTE, NC 28208-4248
Occupancy	Owner Occupied
Owner Type	Individual

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
Jan 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage MOVEMENT MORTGAGE
May 27, 2020	Deed of Trust, Mortgage · Line of Credit ALLEGACY FCU
Nov 30, 2017	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 30, 2017 · Amount on File
Deed Sale	Nov 30, 2017 · Amount on File
Prior Sale	Mar 18, 2016 · Amount on File
Deed Document Number	2017161383
Deed Book / Page	32309 / 286
Record Updated	Oct 29, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	515 STATE ST, CHARLOTTE, NC 28208-4248
Transaction Type	Mortgage
Record Updated	Aug 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005856
Date	Jan 14, 2020
Book Page	34202/225
Instrument	2020005856

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company
Address	FORT MILL, SC 29707

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2050

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	515 STATE ST, CHARLOTTE, NC 28208-4248
Transaction Type	Mortgage
Record Updated	Aug 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000075320
Date	May 27, 2020
Book Page	34615/310
Instrument	2020075320

Lender

Name	ALLEGACY FCU
Type	Credit Union
Address	58687

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 26, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Nov 30, 2017
Property Address	515 STATE ST, CHARLOTTE, NC 28208-4248
Document Number	0000161383
Book / Page	32309 / 286
Map Reference	MB4 PG463
Instrument Date	Nov 17, 2017
Instrument	2017161383
Transaction Type	Transfer
Record Updated	Aug 23, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$670.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4800 WHITESBURG DR SW STE 30, 4800, HUNTSVILLE, AL 35802-1600

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 STATE ST, CHARLOTTE, NC 28208-4248

Mortgage

Document Number	0000161384
Date	Nov 30, 2017
Instrument	2017161384

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 515 State St was $4,198.

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	$4,198.00	$524,700 Land $200,000 Building $324,700	$524,700 Land $200,000 Building $324,700

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

Flood

FEMA maps place 515 State St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 515 State St 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 99.1% of the US · lower than 99.5% 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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