520 State St, Charlotte, NC 28208 Property Records

Mecklenburg County property record for 520 State St, Charlotte, NC 28208

Property Summary

Property Type	Townhouse
Details	4 bd · 3 ba · 2,491 sqft · built 2018
Lot Size	0.152 acres (6,646 sqft)
Owner	Individual Name on Record
Last Sale	$415,000 (Feb 2019)
Tax Bill	$6,129 (2023)
Deeds & Mortgages	Aug 2020 Mortgage Feb 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`071-105-57`

Property Details

APN / Parcel Number

Primary APN	`071-105-57`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,491 sqft Heated Area

Exterior

Year Built	Built 2018
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Lot Area	6,646 sqft (0.152 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	071-105-57
Street Address	520 STATE ST
City	CHARLOTTE
State	NC
Zip	28208-4249
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	L4A B4 M62-349
Legal Subdivision	518 STATE STREET
Legal Block	4
Legal Lot Number	4A
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	3
Census Block	3017
Census Tract	4500

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	520 STATE ST, CHARLOTTE, NC 28208-4249
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage NATIONSTAR MORTGAGE LLC
Feb 22, 2019	Warranty Deed, Transfer · Conventional Mortgage AMERICAN SECURITY MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 22, 2019 · Amount on Record
Deed Sale	Feb 22, 2019 · Amount on Record
Prior Sale	Feb 22, 2019 · Amount on Record
Deed Document Number	0000019788
Deed Book / Page	33301 / 904
Last Transfer Date	Aug 28, 2020
Transfer Doc	0000137246
Record Updated	Jun 7, 2026

August 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MECKLENBURG NC
Recording Date	Aug 28, 2020
Property Address	520 STATE ST, CHARLOTTE, NC 28208-4249
Document Number	0000137246
Book / Page	34986 / 393
Map Reference	MB 62 PG 349
Instrument Date	Aug 24, 2020
Instrument	2020137246
Transaction Type	Transfer
Record Updated	Jul 12, 2022
Title Company	TITLE365

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	520 STATE ST, CHARLOTTE, NC 28208-4249

Mortgage

Document Number	0000137247
Date	Aug 28, 2020
Instrument	2020137247

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Feb 22, 2019
Property Address	520 STATE ST, CHARLOTTE, NC 28208-4249
Document Number	0000019788
Book / Page	33301 / 904
Map Reference	MB 62 PG 349
Instrument Date	Feb 22, 2019
Instrument	2019019788
Transaction Type	Transfer
Record Updated	Jul 12, 2022
Title Company	ATTORNEY TITLE INSURANCE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$830.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 31514, CHARLOTTE, NC 28231-1514

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	518 STATE ST # B, B, CHARLOTTE, NC 28208-4249

Mortgage

Document Number	0000019789
Date	Feb 22, 2019
Instrument	2019019789

Lender

Name	AMERICAN SECURITY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2049

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

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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