715 E 28th St, Charlotte, NC 28205 Property Records

Mecklenburg County property record for 715 E 28th St, Charlotte, NC 28205

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,112 sqft · built 2018
Lot Size	0.19 acres (8,276 sqft)
Owner	Individual Name on Record
Last Sale	$900,000 (Sep 2026)
Tax Bill	$5,444 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Jan 2022 Line of Credit + 6 more
Flood Zone	Zone X (minimal risk)
APN	`083-064-07`

Property Details

APN / Parcel Number

Primary APN	`083-064-07`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,112 sqft Living Area
1st Floor Area	1,054 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Concrete
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,276 sqft (0.19 acres)
Garage Type	Carport
Carport	Carport
Porch	Patio
Porch Area	112 sqft
Patio Area	356 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	715 E 28TH ST
City	CHARLOTTE
State	NC
Zip	28205-1817
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-5
Legal Description	L10 B33 M6-144
Legal Subdivision	PEGRAM-WADSWORTH LAND CO
Legal Block	33
Legal Lot Number	10
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	2
Census Block	2001
Census Tract	900

Owner

Source: Mecklenburg County records, as of October 13, 2026

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	715 E 28TH ST, CHARLOTTE, NC 28205-1817
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2026	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC COAST MORTGAGE
Jan 11, 2022	Deed of Trust, Mortgage · Line of Credit TRULIANT FCU
Aug 24, 2021	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Aug 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Dec 6, 2018	Warranty Deed, Transfer · ARM WELLS FARGO BANK NA
Dec 6, 2018	Grant Deed, Subdivision Related Transfer ATTORNEY ONLY
Nov 28, 2018	Grant Deed ATTORNEY ONLY
Dec 22, 2017	Deed in Lieu of Foreclosure, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 23, 2026 · Amount on Record
Deed Sale	Sep 23, 2026 · Amount on Record
Prior Sale	Aug 24, 2021 · Amount on Record
Deed Document Number	2026102292
Deed Book / Page	40732 / 804
Prior Transfer Date	Dec 18, 2017
Prior Transfer Doc	0000171836
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Sep 23, 2026
Property Address	715 E 28TH ST, CHARLOTTE, NC 28205-1817
Document Number	0000102292
Book / Page	40732 / 804
Instrument Date	Sep 23, 2026
Instrument	2026102292
Transaction Type	Transfer
Record Updated	Oct 2, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$181,800.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	715 E 28TH ST, CHARLOTTE, NC 28205-1817

Mortgage

Document Number	0000102293,
Date	Sep 23, 2026
Instrument	2026102293

Lender

Name	ATLANTIC COAST MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.24%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	715 E 28TH ST, CHARLOTTE, NC 28205-1817
Transaction Type	Mortgage
Record Updated	May 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005886
Date	Jan 11, 2022
Book Page	36959/971
Instrument	2022005886

Lender

Name	TRULIANT FCU
Type	Credit Union
Address	WINSTON SALEM, NC 27105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Dec 29, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Aug 24, 2021
Property Address	715 E 28TH ST, CHARLOTTE, NC 28205-1817
Document Number	0000162507
Book / Page	36445 / 173
Map Reference	MB 6 PG 144
Instrument Date	Jul 15, 2021
Instrument	2021162507
Transaction Type	Transfer
Record Updated	May 22, 2026
Title Company	THE TITLE SERVICES GROUP, THE TITLE CO OF NC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,396.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000162508
Date	Aug 24, 2021
Instrument	2021162508

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	715 E 28TH ST, CHARLOTTE, NC 28205-1817
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000135455
Date	Aug 26, 2020
Book Page	34975/550
Instrument	2020135455

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 21, 2035

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Dec 6, 2018
Property Address	715 E 28TH ST, CHARLOTTE, NC 28205-1817
Document Number	0000151065
Book / Page	33154 / 340
Map Reference	MB6 PG144
Instrument Date	Dec 4, 2018
Instrument	2018151065
Transaction Type	Transfer
Record Updated	Jun 15, 2021

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	234 JOHNSTON ST, 234, ROCK HILL, SC 29730-4508

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	00000

Mortgage

Document Number	0000151066
Date	Dec 6, 2018
Instrument	2018151066

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	Jan 1, 2029
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.75%
Index	1-Year LIBOR
Max Rate	9.75%

December 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Dec 6, 2018
Property Address	715 E 28TH ST, CHARLOTTE, NC 28205-1817
Document Number	0000151064
Book / Page	033154 / 000336
Instrument Date	Dec 4, 2018
Instrument	151064
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 9, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Partial Interest

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4119 ROSE LAKE DR #1 CHARLOTTE NC 282172826, 1, CHARLOTTE, NC 28217-2826

November 2018: Grant Deed

Document Type	Grant Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Nov 28, 2018
Property Address	715 E 28TH ST, CHARLOTTE, NC 28205-1817
Document Number	0000147149
Book / Page	033133 / 000546
Instrument Date	Nov 28, 2018
Instrument	147149
Record Updated	Dec 27, 2018
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4119 ROSE LAKE DR #1 CHARLOTTE NC 282172826, 1, CHARLOTTE, NC 28217-2826

December 2017: Deed in Lieu of Foreclosure, Foreclosure

Document Type	Deed in Lieu of Foreclosure
Jurisdiction	MECKLENBURG NC
Recording Date	Dec 22, 2017
Property Address	715 E 28TH ST, CHARLOTTE, NC 28205-1817
Document Number	0000171836
Book / Page	032365 / 000655
Instrument Date	Dec 18, 2017
Instrument	171836
Transaction Type	Foreclosure
Record Updated	Jan 5, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	234 JOHNSTON ST ROCK HILL SC 297304508, ROCK HILL, SC 29730-4508

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	$5,444.00	$687,200 Land $380,000 Building $307,200	$687,200 Land $380,000 Building $307,200

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
Nearby Flood Claims	1 (1979)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 1979 · tidal / storm surge

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 98% of the US · lower than 99% of North Carolina
Wildfire Likelihood	Under 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 364 locations within half a mile, as of December 31, 2025

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

Nearby Properties on E 28th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures