605 Berkeley Ave, Charlotte, NC 28203 Property Records

Mecklenburg County property record for 605 Berkeley Ave, Charlotte, NC 28203

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,590 sqft · built 1942
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,799,000 (Jun 2024)
Tax Bill	$10,536 (2025)
Deeds & Mortgages	May 2019 Mortgage Nov 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`123-057-02`

Property Details

APN / Parcel Number

Primary APN	`123-057-02`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	3,590 sqft Living Area
1st Floor Area	1,414 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1942
Effective Year Built	Effective 2010
Exterior Material	Brick
Foundation Type	Raised
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)
Garage Area	360 sqft
Porch	Slab
Porch Area	112 sqft
Patio Area	24 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	605 BERKELEY AVE
City	CHARLOTTE
State	NC
Zip	28203-4501
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4 (HD)
Legal Description	P11 B24 M884-457
Legal Subdivision	BCRKELEY AVENUE
Legal Block	24
Legal Lot Number	2
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	2
Census Block	2011
Census Tract	3500

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Dilworth Historic District listed 1987 · 1,372 contributing resources · NRIS 87000610

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Mecklenburg County records, as of July 14, 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	605 BERKELEY AVE, CHARLOTTE, NC 28203-4501
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 29, 2019	Deed of Trust, Mortgage · ARM SOUTH STATE BANK
Nov 9, 2018	Deed of Trust, Mortgage · ARM NEW PENN FINANCIAL LLC
Aug 6, 2019	Deed of Trust, Mortgage · Commercial Mortgage SOUTH STATE BANK
Aug 16, 2017	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 18, 2024 · Amount on Record
Deed Sale	Jun 18, 2024 · Amount on Record
Prior Sale	Aug 16, 2017 · Amount on Record
Deed Document Number	202456260
Deed Book / Page	38888 / 858
Record Updated	Oct 29, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	605 BERKELEY AVE, CHARLOTTE, NC 28203-4501
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000064493
Date	May 29, 2019
Book Page	33540/287
Instrument	2019064493

Lender

Name	SOUTH STATE BANK
Type	Bank
Address	CHARLESTON, SC 29406

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.12%
Index	1-Year LIBOR
Max Rate	9.12%

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	605 BERKELEY AVE, CHARLOTTE, NC 28203-4501
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000140969
Date	Nov 9, 2018
Book Page	33101/468
Instrument	2018140969

Lender

Name	NEW PENN FINANCIAL LLC
Type	Mortgage Company
Address	PLYMOUTH MEETING, PA 19462

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Type Change Date	Dec 1, 2023
Change Frequency	Annually
Min Rate At Change	6.5%
Max Rate At Change	8.5%
Index	1-Year LIBOR
Max Rate	11.5%

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	605 BERKELEY AVE, CHARLOTTE, NC 28203-4501
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000100995
Date	Aug 6, 2019
Book Page	33735/733
Instrument	2019100995

Lender

Name	SOUTH STATE BANK
Type	Bank
Address	COLUMBIA, SC 29202

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Aug 16, 2017
Property Address	605 BERKELEY AVE, CHARLOTTE, NC 28203-4501
Document Number	0000111148
Book / Page	32047 / 987
Map Reference	MB884 PG457
Instrument Date	Aug 15, 2017
Instrument	2017111148
Transaction Type	Transfer
Record Updated	Jun 15, 2021
Title Company	HARBOR CITY TITLE INS AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$890.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3100 WOLF TRAP CT, 3100, CHARLOTTE, NC 28210-7956

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	605 BERKELEY AVE, CHARLOTTE, NC 28203-4501

Mortgage

Document Number	0000111149
Date	Aug 16, 2017
Instrument	2017111149

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2047

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	$10,536.00	$1,351,300 Land $562,500 Building $788,800	$1,351,300 Land $562,500 Building $788,800

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	3 in force
Nearby Flood Claims	15 (1979–2011)
Claims Outside the SFHA	13 of 15
Most Recent Claim	Aug 2011 · 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 224 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	1,000 / 75
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Google Fiber.

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