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

Mecklenburg County property record for 815 E 20th St, Charlotte, NC 28205

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,346 sqft · built 1926
Lot Size0.17 acres (7,405 sqft)
OwnerIndividual Name on File
Last Sale$655,000 (Aug 2024)
Tax Bill$4,954 (2025)
Deeds & MortgagesDec 2023 Line of Credit
Aug 2024 Sale & Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN081-109-04

Property Details

APN / Parcel Number

Primary APN081-109-04

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,346 sqft Living Area
1st Floor Area1,346 sqft

Exterior

Year BuiltBuilt 1926
Effective Year BuiltEffective 2010
Exterior MaterialConcrete
Construction TypeFrame
Foundation TypeNo Foundation
Roof TypeGable
Roof MaterialOther
Lot Area7,405 sqft (0.17 acres)
Garage TypeCarport
CarportCarport
PorchOpen/Unfinished Porch
Porch Area320 sqft
Patio Area390 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Street Address815 E 20TH ST
CityCHARLOTTE
StateNC
Zip28205-2633
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-5
Legal DescriptionL6 B24 M230-3
Legal SubdivisionEAST END
Legal Block24
Legal Lot Number6
JurisdictionMECKLENBURG NC
Township / Civil Division1, CHARLOTTE
Census Block Group1
Census Block1006
Census Tract800

Owner

Source: Mecklenburg County assessment roll, as of September 9, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address815 E 20TH ST, CHARLOTTE, NC 28205-2633
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Dec 13, 2023Deed of Trust, Mortgage · Line of Credit
THIRD FSLA OF CLEVELAND
Aug 26, 2024Warranty Deed, Transfer · Conventional Mortgage
FIRST NATIONAL BANK OF PENNSYLVANIA
Nov 13, 2020Deed of Trust, Mortgage · Conventional Mortgage
QUICKEN LOANS LLC
Mar 20, 2019Deed of Trust, Mortgage · Line of Credit
BRANCH BK&TR

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleAug 26, 2024 · Amount on Record
Deed SaleAug 26, 2024 · Amount on Record
Prior SaleOct 23, 2014 · Amount on Record
Deed Document Number202480870
Deed Book / Page39032 / 737
Record UpdatedSep 20, 2026

December 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMECKLENBURG NC
Property Address815 E 20TH ST, CHARLOTTE, NC 28205-2633
Transaction TypeMortgage
Record UpdatedJun 10, 2026
Title CompanyTITLE365 - OMAHA, TITLE365 OMAHA

Transferred To (Grantee/Buyer)

NameVerified Name
Address815 E 20TH ST, CHARLOTTE, NC 28205-2633

Mortgage

Document Number0000116529
DateDec 13, 2023
Book Page38532/159
Instrument2023116529
Lender
NameTHIRD FSLA OF CLEVELAND
TypeBank
AddressCLEVELAND, OH 44105
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

August 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMECKLENBURG NC
Recording DateAug 26, 2024
Property Address815 E 20TH ST, CHARLOTTE, NC 28205-2633
Document Number0000080870
Book / Page39032 / 737
Map ReferenceMB 230 PG 3
Instrument DateAug 26, 2024
Instrument2024080870
Transaction TypeTransfer
Record UpdatedJun 10, 2026
Title CompanyE-CHICAGO TITLE, CHICAGO TITLE

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$13.10
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address929 SWEETBRIAR ST, CHARLOTTE, NC 28205-1245

Transferred To (Grantee/Buyer)

NameVerified Name
Address815 E 20TH ST, CHARLOTTE, NC 28205-2633

Mortgage

Document Number0000080871
DateAug 26, 2024
Instrument2024080871
Lender
NameFIRST NATIONAL BANK OF PENNSYLVANIA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 1, 2054

November 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMECKLENBURG NC
Property Address815 E 20TH ST, CHARLOTTE, NC 28205-2633
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000191771
DateNov 13, 2020
Book Page35312/866
Instrument2020191771
Lender
NameQUICKEN LOANS LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term170 Months
DueJan 1, 2035

March 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMECKLENBURG NC
Property Address815 E 20TH ST, CHARLOTTE, NC 28205-2633
Document Number0000048226
Instrument DateMar 20, 2019
Transaction TypeMortgage
Record UpdatedJun 3, 2019
Title CompanyACCURATE EQUITY GROUP, ACCURATE EQUITY GRP

Transferred To (Grantee/Buyer)

NameVerified Name
Address815 E 20TH ST CHARLOTTE NC 282052633, CHARLOTTE, NC 28205-2633

Mortgage

Document Number0000048226
DateApr 24, 2019
Book Page033452/000189
Instrument48226
Lender
NameBRANCH BK&TR
TypeBank
AddressWHITEVILLE, NC 28472
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

Source: Mecklenburg County assessment roll, as of September 9, 2025

Property Jurisdictions

TypeName
StateNorth Carolina
CountyMecklenburg County
MunicipalityCharlotte City
Unified School DistrictCharlotte-Mecklenburg Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,954.00$623,300 Land $350,000 Building $273,300$623,300 Land $350,000 Building $273,300

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 2 (40% premium discount)
Nearby Flood Policies1 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 RiskNot rated
no burnable land within ember reach

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemCHARLOTTE WATER
serves 1,206,285 people · EPA ID NC0160010
Water SourceSurface water
Last State InspectionJul 2025
LeadUnder 1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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 USA
Fixed Wireless		100 / 20

May also be available: Google Fiber.

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