5244 Ruth Dr, Charlotte, NC 28215 Property Records

Mecklenburg County property record for 5244 Ruth Dr, Charlotte, NC 28215

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,239 sqft · built 1955
Lot Size	0.381 acres (16,621 sqft)
Owner	Company Name on File
Last Sale	$212,000 (Oct 2025)
Tax Bill	$1,858 (2024)
Deeds & Mortgages	Sep 2021 Mortgage Oct 2025 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`099-092-36`

Property Details

APN / Parcel Number

Primary APN	`099-092-36`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,239 sqft Heated Area
Gross Area	1,445 sqft
1st Floor Area	1,239 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Architectural Style	Other
Exterior Material	Brick
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	16,621 sqft (0.381 acres)
Garage Type	Carport
Carport	Carport
Porch	Porch
Porch Area	174 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Street Address	5244 RUTH DR
City	CHARLOTTE
State	NC
Zip	28215-2222
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	L59 M6- 591
Legal Subdivision	SHANNON LAKE VIEW DEV
Legal Lot Number	59
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	1
Census Block	1024
Census Tract	1504

Owner

5244 Ruth Dr is owned by a company that bought it in October 2025 and is owner-occupied.

Source: Mecklenburg County records, as of October 20, 2025

Owner of Record	Company Name on File
Mailing Address	5244 RUTH DR, CHARLOTTE, NC 28215-2222
Occupancy	Owner Occupied
Owner Type	Company

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
Sep 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 8, 2025	Warranty Deed, Transfer
Oct 8, 2025	Special Warranty Deed, Transfer · Commercial Mortgage TRIDENT REALTY INVESTMENTS LLC
Jul 10, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 8, 2025 · Amount on File
Deed Sale	Oct 8, 2025 · Amount on File
Prior Sale	Oct 8, 2025 · Amount on File
Deed Document Number	2025102929
Deed Book / Page	39917 / 554
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	5244 RUTH DR, CHARLOTTE, NC 28215-2222
Transaction Type	Mortgage
Record Updated	Oct 21, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000185535
Date	Sep 28, 2021
Book Page	36580/308
Instrument	2021185535

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Oct 8, 2025
Property Address	5244 RUTH DR, CHARLOTTE, NC 28215-2222
Document Number	0000102928
Book / Page	39917 / 551
Map Reference	MB 6 PG 591
Instrument Date	Oct 7, 2025
Instrument	2025102928
Transaction Type	Transfer
Record Updated	Oct 21, 2025

Transaction

Amount	Amount on Record
Tax	$400.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5210 HOOVER DR, CHARLOTTE, NC 28269-2935

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5000 RIVERSIDE DR # 5-100W, 5-100W, IRVING, TX 75039-4316
Investor	Possibly a Property Investor

October 2025: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Oct 8, 2025
Property Address	5244 RUTH DR, CHARLOTTE, NC 28215-2222
Document Number	0000102929
Book / Page	39917 / 554
Map Reference	MB 6 PG 591
Instrument Date	Oct 3, 2025
Instrument	2025102929
Transaction Type	Transfer
Record Updated	Oct 21, 2025

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$424.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5000 RIVERSIDE DR # DR5-100W, DR5-100W, IRVING, TX 75039-4316

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5244 RUTH DR, CHARLOTTE, NC 28215-2222

Mortgage

Document Number	0000102930
Date	Oct 8, 2025
Instrument	2025102930

Lender

Name	TRIDENT REALTY INVESTMENTS LLC
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Jul 10, 2017
Property Address	5244 RUTH DR, CHARLOTTE, NC 28215-2222
Document Number	0000091950
Book / Page	031952 / 000061
Instrument Date	Jul 10, 2017
Instrument	91950
Transaction Type	Transfer
Record Updated	Jul 18, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5244 RUTH DR CHARLOTTE NC 282152222, CHARLOTTE, NC 28215-2222

Tax Assessment & Valuation

Source: Mecklenburg County assessment roll, as of January 1, 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		$245,500 Land $80,000 Building $165,500
2024	$1,858.00
2023			$245,500 Land $80,000 Building $165,500

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

Flood

FEMA maps place 5244 Ruth Dr in Zone X, an area of minimal flood risk, though there have been 19 flood claims nearby since 1990.

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
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	19 (1990–2020)
Claims Outside the SFHA	3 of 19
Most Recent Claim	Nov 2020 · river or lake flooding

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

Wildfire risk around 5244 Ruth Dr is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 96% of North Carolina
Wildfire Likelihood	0.02% 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 276 locations within half a mile, as of December 31, 2025

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