817 E Trade St, Charlotte, NC 28202 Property Records

Mecklenburg County property record for 817 E Trade St, Charlotte, NC 28202

Property Summary

Property Type	Commercial Office
Details	10,900 sqft · built 1953
Lot Size	0.39 acres (16,988 sqft)
Owner	Company Name on File
Last Sale	$2,700,000 (Feb 2022)
Deeds & Mortgages	Sep 2022 Construction Loan Jan 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`080-098-07`

Property Details

APN / Parcel Number

Primary APN	`080-098-07`

Interior

Total Rooms	6 Rooms
Units	2 Units
Stories	2 Stories
Building Area	10,900 sqft Gross Area
1st Floor Area	5,650 sqft
Upper Floors Area	5,650 sqft
Elevator	Elevator

Exterior

Year Built	Built 1953
Effective Year Built	Effective 2005
Exterior Material	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Gambrel
Roof Material	Tar & Gravel
Lot Area	16,988 sqft (0.39 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	817 E TRADE ST
City	CHARLOTTE
State	NC
Zip	28202-3151
Property Category	Commercial
Property Type	Commercial > Office > Commercial Office
Local Zoning Code	UMUD
Legal Description	817 E TRADE ST
Legal Block	8
Legal Lot Number	7
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	2
Census Block	2008
Census Tract	600

Owner

817 E Trade St, a commercial property, is owned by a company that bought it in February 2022.

Source: Mecklenburg County records, as of April 16, 2026

Owner of Record	Company Name on File
Mailing Address	817 E TRADE ST, CHARLOTTE, NC 28202-3151
Owner Type	Company
Vesting	Limited Liability Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2022	Deed of Trust, Mortgage · Construction Mortgage SOUTH STATE BANK NA
Jan 26, 2023	Deed of Trust, Mortgage · Line of Credit SOUTH STATE BANK NA
Feb 16, 2022	Special Warranty Deed, Transfer · Line of Credit TRUIST BANK
Feb 18, 2022	Land Contract, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 16, 2022 · Amount on File
Deed Sale	Feb 16, 2022 · Amount on File
Prior Sale	Nov 20, 1986 · Amount on File
Deed Document Number	202225277
Deed Book / Page	37069 / 698
Prior Transfer Date	Feb 15, 2022
Prior Transfer Doc	0000025277
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	817 E TRADE ST, CHARLOTTE, NC 28202-3151
Transaction Type	Mortgage
Record Updated	May 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	817 E TRADE ST, CHARLOTTE, NC 28202-3151

Mortgage

Document Number	0000128057
Date	Sep 8, 2022
Book Page	37631/272
Instrument	2022128057

Lender

Name	SOUTH STATE BANK NA
Type	Bank
Address	CHARLOTTE, NC 28211

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	120 Months
Due	Sep 8, 2032

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	817 E TRADE ST, CHARLOTTE, NC 28202-3151
Transaction Type	Mortgage
Record Updated	May 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	817 E TRADE ST, CHARLOTTE, NC 28202-3151

Mortgage

Document Number	0000007089
Date	Jan 26, 2023
Book Page	37902/450
Instrument	2023007089

Lender

Name	SOUTH STATE BANK NA
Type	Bank
Address	CHARLESTON, SC 29423

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jan 26, 2033

February 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Feb 16, 2022
Property Address	817 E TRADE ST, CHARLOTTE, NC 28202-3151
Document Number	0000025277
Book / Page	37069 / 698
Instrument Date	Feb 15, 2022
Instrument	2022025277
Transaction Type	Transfer
Record Updated	May 25, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,400.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7476 WATERSIDE LOOP RD # RD400, RD400, DENVER, NC 28037-7679

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	817 E TRADE ST, CHARLOTTE, NC 28202-3151

Mortgage

Document Number	0000025278
Date	Feb 16, 2022
Instrument	2022025278

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Mortgage

Document Number	0000025279
Date	Feb 16, 2022
Book Page	37069/720
Instrument	2022025279

Lender

Name	TRUIST BANK
Type	Bank
Address	CHARLOTTE, NC 28202

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

February 2022: Land Contract, Transfer

Document Type	Land Contract
Jurisdiction	MECKLENBURG NC
Recording Date	Feb 18, 2022
Property Address	817 E TRADE ST, CHARLOTTE, NC 28202-3151
Document Number	0000026593
Book / Page	37076 / 497
Instrument Date	Feb 15, 2022
Instrument	2022026593
Transaction Type	Transfer
Record Updated	May 25, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

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	$2,724,200 Land $1,974,900 Building $749,300	$2,724,200 Land $1,974,900 Building $749,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 817 E Trade St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 3, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 817 E Trade St has no burnable land within ember reach, so its wildfire risk is not rated.

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 36 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
AT&T Fixed Wireless · DSL	100 / 20

May also be available: Spectrum, T-Mobile, Verizon.

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