5431 Park Rd, Charlotte, NC 28209 Property Records

Mecklenburg County property record for 5431 Park Rd, Charlotte, NC 28209

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,648 sqft · built 1962
Lot Size	0.57 acres (24,829 sqft)
Owner	2 Individual Names on Record
Last Sale	$299,500 (Feb 2018)
Tax Bill	$4,620 (2025)
Deeds & Mortgages	Aug 2019 Mortgage Apr 2019 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`177-044-04`

Property Details

APN / Parcel Number

Primary APN	`177-044-04`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,648 sqft Living Area
1st Floor Area	1,648 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 2005
Exterior Material	Brick
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Other
Lot Area	24,829 sqft (0.57 acres)
Garage Type	Carport
Carport	Carport
Porch	Finished/Open Porch
Porch Area	312 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	5431 PARK RD
City	CHARLOTTE
State	NC
Zip	28209-3615
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	P2 B1 M9-313
Legal Subdivision	PICARDY
Legal Block	1
Legal Lot Number	4
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	3
Census Block	3010
Census Tract	2910

Owner

Source: Mecklenburg County records, as of June 16, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	5431 PARK RD, CHARLOTTE, NC 28209-3615
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 13, 2019	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Apr 22, 2019	Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA
Sep 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Feb 26, 2018	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 26, 2018 · Amount on Record
Deed Sale	Feb 26, 2018 · Amount on Record
Prior Sale	Oct 31, 1985 · Amount on Record
Deed Document Number	201821478
Deed Book / Page	32485 / 698
Record Updated	Sep 20, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	5431 PARK RD, CHARLOTTE, NC 28209-3615
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000104584
Date	Aug 13, 2019
Book Page	33753/653
Instrument	2019104584

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

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

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	5431 PARK RD, CHARLOTTE, NC 28209-3615
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000046084
Date	Apr 22, 2019
Book Page	33441/215
Instrument	2019046084

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	5431 PARK RD, CHARLOTTE, NC 28209-3615
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000155528
Date	Sep 24, 2020
Book Page	35094/464
Instrument	2020155528

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

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

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Feb 26, 2018
Property Address	5431 PARK RD, CHARLOTTE, NC 28209-3615
Document Number	0000021478
Book / Page	32485 / 698
Map Reference	MB9 PG313
Instrument Date	Feb 23, 2018
Instrument	2018021478
Transaction Type	Transfer
Record Updated	Jun 15, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$599.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10225 STONEMEDE LN, 10225, MATTHEWS, NC 28105-7643

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5431 PARK RD, CHARLOTTE, NC 28209-3615

Mortgage

Document Number	0000021479
Date	Feb 26, 2018
Instrument	2018021479

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2048

Tax Assessment & Valuation

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	$4,620.00	$579,800 Land $336,000 Building $243,800	$579,800 Land $336,000 Building $243,800

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

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	2 (2018–2020)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Nov 2020 · 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 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 256 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	1,000 / 75
T-Mobile Fixed Wireless	100 / 20

May also be available: Google Fiber.

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