913 Key St, Charlotte, NC 28208 Property Records

Mecklenburg County property record for 913 Key St, Charlotte, NC 28208

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,318 sqft · built 2005
Lot Size	0.171 acres (7,490 sqft)
Owner	Individual Name on File
Last Sale	$70,000 (Oct 2007)
Tax Bill	$2,267 (2023)
Deeds & Mortgages	Jul 2022 Mortgage Aug 2025 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`063-035-28`

Property Details

APN / Parcel Number

Primary APN	`063-035-28`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,318 sqft Heated Area
1st Floor Area	702 sqft
Upper Floors Area	616 sqft

Exterior

Year Built	Built 2005
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Lot Area	7,490 sqft (0.171 acres)
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	063-035-28
Street Address	913 KEY ST
City	CHARLOTTE
State	NC
Zip	28208-2231
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-5
Legal Description	L18 &19 M43-613
Legal Subdivision	MAMIE S HOOVER PROP
Legal Lot Number	18,19
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	2
Census Block	2027
Census Tract	4302

Owner

913 Key St is owned by an individual who bought it in October 2007.

Source: Mecklenburg County records, as of May 24, 2023

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2720 REID MEADOWS DR, CHARLOTTE, NC 28208-2426
Owner Type	Individual

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
Jul 8, 2022	Deed of Trust, Mortgage · Conventional Mortgage AMERIFIRST FINANCIAL CORP
Aug 14, 2025	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Aug 27, 2024	Deed of Trust, Mortgage · Conventional Mortgage TD BANK NA
Jul 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Dec 20, 2018	Deed of Trust, Mortgage · Conventional Mortgage MOVEMENT MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 16, 2007 · Amount on File
Deed Sale	Oct 16, 2007 · Amount on File
Prior Sale	May 7, 2007 · Amount on File
Deed Document Number	0022934419
Deed Book / Page	22934 / 419
Record Updated	Sep 20, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	913 KEY ST, CHARLOTTE, NC 28208-2231
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000100780
Date	Jul 8, 2022
Book Page	37486/199
Instrument	2022100780

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company
Address	PORTAGE, MI 49002

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	913 KEY ST, CHARLOTTE, NC 28208-2231
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4204 CANIPE DR, CHARLOTTE, NC 28269-5000

Mortgage

Document Number	0000081922
Date	Aug 14, 2025
Book Page	39790/228
Instrument	2025081922

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2055

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	913 KEY ST, CHARLOTTE, NC 28208-2231
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4204 CANIPE DR, CHARLOTTE, NC 28269-5000

Mortgage

Document Number	0000080935
Date	Aug 27, 2024
Book Page	39033/239
Instrument	2024080935

Lender

Name	TD BANK NA
Type	Bank
Address	WILMINGTON, DE 19808

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Aug 6, 2044

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	913 KEY ST, CHARLOTTE, NC 28208-2231
Transaction Type	Mortgage
Record Updated	Jan 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000117144
Date	Jul 30, 2020
Book Page	34868/701
Instrument	2020117144

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	913 KEY ST, CHARLOTTE, NC 28208-2231
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000156754
Date	Dec 20, 2018
Book Page	33183/292
Instrument	2018156754

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company
Address	FORT MILL, SC 29707

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2049

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

FEMA maps place 913 Key St in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1980.

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
Nearby Flood Claims	7 (1980–2011)
Claims Outside the SFHA	7 of 7
Most Recent Claim	Aug 2011 · river or lake flooding

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

Wildfire risk around 913 Key St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 98.5% of North Carolina
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 330 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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