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

Mecklenburg County property record for 720 E 10th St, Charlotte, NC 28202

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,566 sqft · built 2000
Lot Size	0.099 acres (4,334 sqft)
Owner	Individual Name on Record
Last Sale	$475,000 (Jun 2014)
Tax Bill	$7,040 (2023)
Deeds & Mortgages	Dec 2021 Line of Credit Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`080-106-16`

Property Details

APN / Parcel Number

Primary APN	`080-106-16`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,566 sqft Heated Area
Gross Area	2,621 sqft
1st Floor Area	1,088 sqft
Upper Floors Area	939 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Material	Wood
Lot Area	4,334 sqft (0.099 acres)
Garage Area	462 sqft
Porch	Porch
Porch Area	66 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	080-106-16
Street Address	720 E 10TH ST
City	CHARLOTTE
State	NC
Zip	28202-3106
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	UR-2
Legal Description	L6 B4 M32-959
Legal Subdivision	GARDEN DISTRICT/1ST WARD
Legal Block	4
Legal Lot Number	6
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	3
Census Block	3011
Census Tract	600

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
Co-owner	Co-owner on Record
Mailing Address	720 E 10TH ST, CHARLOTTE, NC 28202-3106
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 23, 2021	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Jul 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO
Jul 20, 2017	Trustee's Deed, Construction Loan · Construction Mortgage FIRST CITIZENS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 18, 2014 · Amount on Record
Deed Sale	Jun 18, 2014 · Amount on Record
Prior Sale	Jul 8, 2009 · Amount on Record
Deed Document Number	0002925454
Deed Book / Page	29254 / 54
Record Updated	Jun 7, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	720 E 10TH ST, CHARLOTTE, NC 28202-3106
Transaction Type	Mortgage
Record Updated	May 25, 2023
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	720 E 10TH ST, CHARLOTTE, NC 28202-3106

Mortgage

Document Number	0000241477
Date	Dec 23, 2021
Book Page	36905/356
Instrument	2021241477

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	720 E 10TH ST, CHARLOTTE, NC 28202-3106
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE GUARANTY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000104977
Date	Jul 13, 2020
Book Page	34793/754
Instrument	2020104977

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.02%
Type Change Date	Jul 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.02%
Index	1-Year LIBOR
Max Rate	9.02%

July 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Jul 20, 2017
Property Address	720 E 10TH ST, CHARLOTTE, NC 28202-3106
Book / Page	031978 / 000465
Instrument Date	Jul 14, 2017
Instrument	97351
Transaction Type	Construction Loan
Record Updated	Jul 28, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	720 E 10TH ST CHARLOTTE NC 282023106, CHARLOTTE, NC 28202-3106

Mortgage

Document Number	0000097351
Date	Jul 20, 2017
Book Page	031978/000465
Instrument	97351

Lender

Name	FIRST CITIZENS BK
Type	Bank
Address	COLUMBIA, SC 29211

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 19, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.62%

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	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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