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5205 Valley Stream Rd, Charlotte, NC 28209 Property Records

Mecklenburg County property record for 5205 Valley Stream Rd, Charlotte, NC 28209

Property Summary

Property TypeTownhouse
Details3 bd · 3 ba · 2,210 sqft · built 2018
Lot Size0.114 acres (4,982 sqft)
OwnerIndividual Name on File
Last Sale$412,000 (Apr 2019)
Tax Bill$5,329 (2023)
Deeds & MortgagesAug 2024 Line of Credit
Sep 2024 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN171-183-26

Property Details

APN / Parcel Number

Primary APN171-183-26

Interior

Bedrooms3 Beds
Full Baths3 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,210 sqft Heated Area
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2018
Exterior MaterialAluminum/Vinyl
Foundation TypeSlab (Mat/Raft)
Lot Area4,982 sqft (0.114 acres)

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air
Heating FuelGas

Location & Zoning

Old Parcel Number171-183-26
Street Address5205 VALLEY STREAM RD
CityCHARLOTTE
StateNC
Zip28209-3557
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Townhouse
Local Zoning CodeR-8
Legal DescriptionL196A M64-444
Legal Lot Number196A
JurisdictionMECKLENBURG NC
Township / Civil Division1, CHARLOTTE
Census Block Group2
Census Block2004
Census Tract3111

Owner

5205 Valley Stream Rd, a townhouse, is owned and occupied by an individual who bought it in April 2019.

Source: Mecklenburg County records, as of May 24, 2023

Owner of RecordIndividual Name on File
Co-ownerCo-owner on File
Mailing Address5205 VALLEY STREAM RD, CHARLOTTE, NC 28209-3557
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Aug 16, 2024Deed of Trust, Mortgage · Line of Credit
CITIZENS BANK NA
Sep 10, 2024Warranty Deed, Transfer · Conventional Mortgage
PROVIDENT FUNDING ASSOCIATES LP

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 24, 2019 · Amount on File
Deed SaleApr 24, 2019 · Amount on File
Deed Document Number0033451105
Deed Book / Page33451 / 105
Record UpdatedSep 20, 2026

August 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMECKLENBURG NC
Property Address5205 VALLEY STREAM RD, CHARLOTTE, NC 28209-3557
Transaction TypeMortgage
Record UpdatedMay 22, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address5205 VALLEY STREAM RD, CHARLOTTE, NC 28209-3557

Mortgage

Document Number0000077356
DateAug 16, 2024
Book Page39010/949
Instrument2024077356
Lender
NameCITIZENS BANK NA
TypeBank
AddressJOHNSTON, RI 02919
Agreement
TypeLine of Credit
AmountAmount on Record
Term300 Months
DueAug 4, 2049
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

September 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMECKLENBURG NC
Recording DateSep 10, 2024
Property Address5205 VALLEY STREAM RD, CHARLOTTE, NC 28209-3557
Document Number0000086079
Book / Page39063 / 52
Map ReferenceMB 64 PG 444
Instrument DateSep 10, 2024
Instrument2024086079
Transaction TypeTransfer
Record UpdatedMay 22, 2026
Title CompanyCARDINAL TITLE CO

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,400.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2921 FOXWOOD RD, CHARLOTTE, NC 28226-2007

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000086080
DateSep 10, 2024
Instrument2024086080
Lender
NamePROVIDENT FUNDING ASSOCIATES LP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueOct 1, 2054

Tax Assessment & Valuation

Source: Mecklenburg County assessment roll, as of January 1, 2023

Property Jurisdictions

TypeName
StateNorth Carolina
CountyMecklenburg County
MunicipalityCharlotte City
Unified School DistrictCharlotte-Mecklenburg Schools (PK - 12)

Flood

FEMA maps place 5205 Valley Stream Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective October 3, 2024

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 5205 Valley Stream Rd is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 94% of the US · lower than 96% of North Carolina
Wildfire Likelihood0.02% annual chance
ExposureNone
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 SystemCHARLOTTE WATER
serves 1,206,285 people · EPA ID NC0160010
Water SourceSurface water
Last State InspectionJul 2025
LeadUnder 1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 82 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000
Spectrum
Cable		1,000 / 35
Verizon
Fixed Wireless		300 / 20
Starlink
Satellite		280 / 30
T-Mobile
Fixed Wireless		100 / 20

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