805 E 20th St, Charlotte, NC 28205 Property Records

Mecklenburg County property record for 805 E 20th St, Charlotte, NC 28205

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,130 sqft · built 2015
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on Record
Last Sale	$975,000 (Feb 2026)
Deeds & Mortgages	Feb 2026 Sale & Mortgage Sep 2022 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`081-109-02`

Property Details

APN / Parcel Number

Primary APN	`081-109-02`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,130 sqft Living Area
1st Floor Area	1,065 sqft
Upper Floors Area	1,065 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Concrete
Construction Type	Frame
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Other
Lot Area	7,841 sqft (0.18 acres)
Garage Area	484 sqft

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	138 sqft
Deck Area	180 sqft
Patio Area	180 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	805 E 20TH ST
City	CHARLOTTE
State	NC
Zip	28205-2633
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-5
Legal Description	L8 B24 M230- 3
Legal Subdivision	EAST END SUB
Legal Block	24
Legal Lot Number	8
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	1
Census Block	1006
Census Tract	800

Owner

Source: Mecklenburg County records, as of April 6, 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	805 E 20TH ST, CHARLOTTE, NC 28205-2633
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
Feb 23, 2026	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Sep 15, 2022	Intrafamily Transfer, Transfer · Stand-Alone Second Mortgage ROBERT KOACHES ETUX
Jun 13, 2019	Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 23, 2026 · Amount on Record
Deed Sale	Feb 23, 2026 · Amount on Record
Prior Sale	Jun 13, 2019 · Amount on Record
Deed Document Number	202617529
Deed Book / Page	40216 / 610
Prior Transfer Date	Sep 15, 2022
Prior Transfer Doc	0000130743
Record Updated	Jun 8, 2026

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Feb 23, 2026
Property Address	805 E 20TH ST, CHARLOTTE, NC 28205-2633
Document Number	0000017529
Book / Page	40216 / 610
Map Reference	MB 230 PG 3
Instrument Date	Feb 18, 2026
Instrument	2026017529
Transaction Type	Transfer
Record Updated	May 22, 2026
Title Company	SECURED LAND TRANSFERS INC, SECURED LAND TTL TRANSFERS L

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,950.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	805 E 20TH ST, CHARLOTTE, NC 28205-2633

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	805 E 20TH ST, CHARLOTTE, NC 28205-2633

Mortgage

Document Number	0000017530
Date	Feb 23, 2026
Instrument	2026017530

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

September 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MECKLENBURG NC
Recording Date	Sep 15, 2022
Property Address	805 E 20TH ST, CHARLOTTE, NC 28205-2633
Document Number	0000130743
Book / Page	37644 / 847
Map Reference	MB 230 PG 3
Instrument Date	Sep 15, 2022
Instrument	2022130743
Transaction Type	Transfer
Record Updated	May 22, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	805 E 20TH ST, CHARLOTTE, NC 28205-2633

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	805 E 20TH ST, CHARLOTTE, NC 28205-2633

Mortgage

Document Number	0000130744
Date	Sep 15, 2022
Instrument	2022130744

Lender

Name	ROBERT KOACHES ETUX
Type	Private Party

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	214 Months
Due	Jul 26, 2040

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Jun 13, 2019
Property Address	805 E 20TH ST, CHARLOTTE, NC 28205-2633
Document Number	0000072873
Book / Page	33584 / 383
Map Reference	MB 230 PG 3
Instrument Date	Jun 13, 2019
Instrument	2019072873
Transaction Type	Transfer
Record Updated	Jun 15, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,022.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	300 W 5TH ST # ST715, 300, CHARLOTTE, NC 28202-1668

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	805 E 20TH ST, CHARLOTTE, NC 28205-2633

Mortgage

Document Number	0000072874
Date	Jun 13, 2019
Instrument	2019072874

Lender

Name	FIFTH THIRD BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

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	Assessed Value	Assessed Market Value
2025	$739,100 Land $350,000 Building $389,100	$739,100 (-) Land $350,000 Building $389,100
2023		$739,100 Land $350,000 Building $389,100

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 413 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Google Fiber.

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