638 E 10th St, Charlotte, NC 28202 Property Records

Mecklenburg County property record for 638 E 10th St, Charlotte, NC 28202

Property Summary

Property Type	Condominium
Details	2 bd · 2.5 ba · 1,092 sqft · built 2002
Lot Size	0.437 acres (19,016 sqft)
Owner	2 Individual Names on Record
Last Sale	$422,000 (Jun 2020)
Tax Bill	$3,578 (2025)
Deeds & Mortgages	Jun 2020 Sale & Mortgage Mar 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`080-074-23`

Property Details

APN / Parcel Number

Primary APN	`080-074-23`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,092 sqft Living Area
Gross Area	1,614 sqft
1st Floor Area	546 sqft
Upper Floors Area	546 sqft
Basement Area	522 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2010
Exterior Material	Concrete
Construction Type	Frame
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	19,016 sqft (0.437 acres)
Garage Type	Attached
Garage Area	522 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	638 E 10TH ST
City	CHARLOTTE
State	NC
Zip	28202-3130
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	UR2
Legal Description	UNIT 7 U/F 631-1
Legal Subdivision	10TH STREET TOWNES CONDOS
Legal Block	C
Legal Lot Number	98
Legal Unit	7
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	3
Census Block	3013
Census Tract	600

Owner

Source: Mecklenburg County records, as of July 27, 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	638 E 10TH ST, CHARLOTTE, NC 28202-3130
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 17, 2020	Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK
Mar 13, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 17, 2020 · Amount on Record
Deed Sale	Jun 17, 2020 · Amount on Record
Prior Sale	Sep 25, 2012 · Amount on Record
Deed Document Number	202089294
Deed Book / Page	34699 / 420
Prior Transfer Date	Feb 22, 2019
Prior Transfer Doc	0000027883
Record Updated	Oct 29, 2026

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Jun 17, 2020
Property Address	638 E 10TH ST, CHARLOTTE, NC 28202-3130
Document Number	0000089294
Book / Page	34699 / 420
Map Reference	MB 14514 PG 799
Instrument Date	Jun 12, 2020
Instrument	2020089294
Transaction Type	Transfer
Record Updated	Jun 15, 2021
Title Company	MASTER TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$844.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5232 VALLEY STREAM RD, 5232, CHARLOTTE, NC 28209-3558

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	638 E 10TH ST, CHARLOTTE, NC 28202-3130

Mortgage

Document Number	0000089295
Date	Jun 17, 2020
Instrument	2020089295

Lender

Name	FIFTH THIRD BANK
Type	Bank

Agreement

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

March 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MECKLENBURG NC
Recording Date	Mar 13, 2019
Property Address	638 E 10TH ST, CHARLOTTE, NC 28202-3130
Document Number	0000027883
Book / Page	33345 / 836
Map Reference	MB 14514 PG 799
Instrument Date	Feb 22, 2019
Instrument	2019027883
Transaction Type	Transfer
Record Updated	Jun 15, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	124 CIRCLE M DR, 124, SALISBURY, NC 28147-9278

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	638 E 10TH ST, CHARLOTTE, NC 28202-3130
Investor	Possibly a Property Investor

Mortgage

Document Number	0000027884
Date	Mar 13, 2019
Instrument	2019027884

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	205 Months
Due	Apr 1, 2036

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	$3,578.00	$436,596 Building $436,596	$436,596 Building $436,596

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	1 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	Not rated no burnable land within 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 312 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

May also be available: AT&T, Google Fiber.

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