10110 Cromarty Ln, Mint Hill (Charlotte), NC 28227 Property Records

Mecklenburg County property record for 10110 Cromarty Ln, Mint Hill, NC 28227

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,018 sqft · built 1979
Lot Size	0.289 acres (12,629 sqft)
Owner	Individual Name on File
Last Sale	$280,000 (Nov 2023)
Tax Bill	$2,162 (2023)
Deeds & Mortgages	Nov 2023 Mortgage Nov 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`137-026-51`

Property Details

APN / Parcel Number

Primary APN	`137-026-51`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,018 sqft Heated Area
Gross Area	1,048 sqft
1st Floor Area	1,018 sqft
Flooring	Concrete/Cement
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Material	Asphalt
Lot Area	12,629 sqft (0.289 acres)

Exterior Amenities

Porch	Porch
Porch Area	30 sqft
Deck Area	144 sqft
Patio Area	156 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Old Parcel Number	137-026-51
Street Address	10110 CROMARTY LN
City	MINT HILL
State	NC
Zip	28227-4349
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	L20 BE M19-117
Legal Subdivision	HEATHERGATE PH 02-A MAP 02
Legal Block	E
Legal Lot Number	20
Jurisdiction	MECKLENBURG NC
Township / Civil Division	6, CLEAR CREEK
Census Block Group	1
Census Block	1000
Census Tract	5718

Owner

10110 Cromarty Ln is owned and occupied by an individual who bought it in November 2023.

Source: Mecklenburg County records, as of December 5, 2023

Owner of Record	Individual Name on File
Mailing Address	10110 CROMARTY LN, MINT HILL, NC 28227-4349
Occupancy	Owner Occupied
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
Nov 21, 2023	Deed of Trust, Mortgage NORTH CAROLINA HOUSING FINANCE AGENCY
Nov 21, 2023	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC COAST MORTGAGE
Dec 8, 2020	Warranty Deed, Transfer · Conventional Mortgage SOUTHERN TRUST MORTGAGE LLC
Aug 12, 2019	Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS
May 15, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 21, 2023 · Amount on File
Deed Sale	Nov 21, 2023 · Amount on File
Prior Sale	Dec 8, 2020
Deed Document Number	2023110249
Deed Book / Page	38496 / 504
Record Updated	Jun 7, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	10110 CROMARTY LN, MINT HILL, NC 28227-4349
Transaction Type	Mortgage
Record Updated	Dec 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10110 CROMARTY LN, MINT HILL, NC 28227-4349

Mortgage

Document Number	0000110251
Date	Nov 21, 2023
Book Page	38496/519
Instrument	2023110251

Lender

Name	NORTH CAROLINA HOUSING FINANCE AGENCY
Type	Government Agency
Address	RALEIGH, NC 27611

Agreement

Amount	Amount on Record

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Nov 21, 2023
Property Address	10110 CROMARTY LN, MINT HILL, NC 28227-4349
Document Number	0000110249
Book / Page	38496 / 504
Map Reference	MB 19 PG 117
Instrument Date	Nov 21, 2023
Instrument	2023110249
Transaction Type	Transfer
Record Updated	May 22, 2026
Title Company	TRYON TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$560.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	389 WHISPERING HILLS DR, LOCUST, NC 28097-7344

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10110 CROMARTY LN, MINT HILL, NC 28227-4349

Mortgage

Document Number	0000110250
Date	Nov 21, 2023
Instrument	2023110250

Lender

Name	ATLANTIC COAST MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2053

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Dec 8, 2020
Property Address	10110 CROMARTY LN, MINT HILL, NC 28227-4349
Document Number	0000207518
Book / Page	35406 / 195
Map Reference	MB 19 PG 117
Instrument Date	Dec 3, 2020
Instrument	2020207518
Transaction Type	Transfer
Record Updated	Jun 15, 2021

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
Address	10110 CROMARTY LN, MINT HILL, NC 28227-4349

Mortgage

Document Number	0000207519
Date	Dec 8, 2020
Instrument	2020207519

Lender

Name	SOUTHERN TRUST MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Aug 12, 2019
Property Address	10110 CROMARTY LN, MINT HILL, NC 28227-4349
Document Number	0000103916
Book / Page	033750 / 000451
Instrument Date	Jun 26, 2019
Instrument	103916
Transaction Type	Transfer
Record Updated	Sep 2, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$330.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	10110 CROMARTY LN MINT HILL NC 282274349, MINT HILL, NC 28227-4349

Mortgage

Document Number	103917
Date	Aug 12, 2019
Book Page	033750/000453
Instrument	103917

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 11, 2049

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	May 15, 2019
Property Address	10110 CROMARTY LN, MINT HILL, NC 28227-4349
Document Number	0000058496
Book / Page	033508 / 000622
Instrument Date	May 15, 2019
Instrument	58496
Transaction Type	Transfer
Record Updated	Jun 18, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$299.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	405 HOWARD ST #550 SAN FRANCISCO CA 941052999, 550, SAN FRANCISCO, CA 94105-2999
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Mecklenburg County assessment roll, as of January 1, 2023

Property Jurisdictions

Type	Name
State	North Carolina
County	Mecklenburg County
Municipality	Mint Hill Town
Unified School District	Charlotte-Mecklenburg Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$2,162.00	$248,000 Land $60,000 Building $188,000	$248,000 Land $60,000 Building $188,000

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

Flood

FEMA maps place 10110 Cromarty Ln in Zone X, an area of minimal flood risk.

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 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

Wildfire risk around 10110 Cromarty Ln is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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