5436 Talus Trace Ln, Charlotte, NC 28215 Property Records

Mecklenburg County property record for 5436 Talus Trace Ln, Charlotte, NC 28215

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,453 sqft · built 2004
Lot Size	0.245 acres (10,700 sqft)
Owner	Individual Name on Record
Last Sale	$235,000 (Sep 2005)
Tax Bill	$4,227 (2023)
Deeds & Mortgages	Apr 2022 Mortgage Jan 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`105-184-40`

Property Details

APN / Parcel Number

Primary APN	`105-184-40`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,453 sqft Heated Area
Gross Area	3,958 sqft
1st Floor Area	1,557 sqft
Upper Floors Area	1,896 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Lot Area	10,700 sqft (0.245 acres)
Garage Area	441 sqft
Porch	Porch
Porch Area	64 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	105-184-40
Street Address	5436 TALUS TRACE LN
City	CHARLOTTE
State	NC
Zip	28215-4132
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	L34 M41-423
Legal Subdivision	TIMBERLANDS MAP 01
Legal Lot Number	34
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	1
Census Block	1009
Census Tract	5615

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
Mailing Address	5436 TALUS TRACE LN, CHARLOTTE, NC 28215-4132
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2022	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Jan 4, 2018	Deed of Trust, Mortgage · VA Mortgage MIDLAND MORTGAGE CORP
Jul 13, 2020	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
May 8, 2019	Deed of Trust, Mortgage · VA Mortgage PACIFIC HM LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 1, 2005 · Amount on Record
Deed Sale	Sep 1, 2005 · Amount on Record
Deed Document Number	0019283128
Deed Book / Page	19283 / 128
Record Updated	Jun 7, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	5436 TALUS TRACE LN, CHARLOTTE, NC 28215-4132
Transaction Type	Mortgage
Record Updated	May 25, 2023
Title Company	NOT AVAILABLE, TIER 1 TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000065987
Date	Apr 29, 2022
Book Page	37297/426
Instrument	2022065987

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	5436 TALUS TRACE LN, CHARLOTTE, NC 28215-4132
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001099
Date	Jan 4, 2018
Book Page	32385/725
Instrument	2018001099

Lender

Name	MIDLAND MORTGAGE CORP
Type	Mortgage Company
Address	COLUMBIA, SC 29201

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2048

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	5436 TALUS TRACE LN, CHARLOTTE, NC 28215-4132
Document Number	0000108984
Instrument Date	Jul 13, 2020
Transaction Type	Mortgage
Record Updated	Aug 3, 2020
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5436 TALUS TRACE LN CHARLOTTE NC 282154132, CHARLOTTE, NC 28215-4132

Mortgage

Document Number	0000108984
Date	Jul 17, 2020
Book Page	034818/000575
Instrument	108984

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 16, 2050

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	5436 TALUS TRACE LN, CHARLOTTE, NC 28215-4132
Document Number	0000058289
Instrument Date	May 8, 2019
Transaction Type	Mortgage
Record Updated	Jun 19, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5436 TALUS TRACE LN CHARLOTTE NC 282154132, CHARLOTTE, NC 28215-4132

Mortgage

Document Number	0000058289
Date	May 15, 2019
Book Page	033507/000459
Instrument	58289

Lender

Name	PACIFIC HM LNS
Type	Funding / Finance Company
Address	IRVINE, CA 92612

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 14, 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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	2 in force

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 64% of the US · above 49% of North Carolina
Wildfire Likelihood	0.03% 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 273 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: Windstream.

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