10340 Flat Stone Rd, Charlotte, NC 28213 Property Records

Mecklenburg County property record for 10340 Flat Stone Rd, Charlotte, NC 28213

Property Summary

Property Type	Townhouse
Details	2 bd · 3 ba · 1,287 sqft · built 2003
Lot Size	0.036 acres (1,592 sqft)
Owner	Individual Name on File
Last Sale	$164,000 (Jan 2020)
Tax Bill	$2,228 (2023)
Deeds & Mortgages	Jan 2020 Sale & Mortgage Sep 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`051-445-90`

Property Details

APN / Parcel Number

Primary APN	`051-445-90`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,287 sqft Heated Area
Gross Area	1,551 sqft
1st Floor Area	572 sqft
Upper Floors Area	715 sqft

Exterior

Year Built	Built 2003
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Lot Area	1,592 sqft (0.036 acres)
Garage Area	220 sqft
Porch	Porch
Porch Area	44 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	051-445-90
Street Address	10340 FLAT STONE RD
City	CHARLOTTE
State	NC
Zip	28213-5892
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	MX-1
Legal Description	L2083 M38-815
Legal Subdivision	OLDE STONE XING PH 1 MAP 3
Legal Lot Number	2083
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	2
Census Block	2003
Census Tract	5625

Owner

10340 Flat Stone Rd, a townhouse, is owned and occupied by an individual who bought it in January 2020.

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

Owner of Record	Individual Name on File
Mailing Address	10340 FLAT STONE RD, CHARLOTTE, NC 28213-5892
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
Jan 29, 2020	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
Sep 18, 2018	Warranty Deed, Transfer · ARM STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 29, 2020 · Amount on File
Deed Sale	Jan 29, 2020 · Amount on File
Prior Sale	Sep 18, 2018 · Amount on File
Deed Document Number	0034241507
Deed Book / Page	34241 / 507
Record Updated	Jun 7, 2026

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Jan 29, 2020
Property Address	10340 FLAT STONE RD, CHARLOTTE, NC 28213-5892
Document Number	0000013356
Book / Page	34241 / 509
Map Reference	MB 38 PG 815
Instrument Date	Jan 28, 2020
Instrument	2020013356
Transaction Type	Transfer
Record Updated	Jun 15, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$328.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13011 GREAT LAUREL RD, 13011, CHARLOTTE, NC 28227-3688

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10340 FLAT STONE RD, CHARLOTTE, NC 28213-5892

Mortgage

Document Number	0000013357
Date	Jan 29, 2020
Instrument	2020013357

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Change Frequency	5 Years
Min Rate At Change	4.25%
Index	5-Year CMT
Max Rate	6%

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Sep 18, 2018
Property Address	10340 FLAT STONE RD, CHARLOTTE, NC 28213-5892
Document Number	0000117807
Book / Page	32981 / 001
Map Reference	MB38 PG815
Instrument Date	Sep 18, 2018
Instrument	2018117807
Transaction Type	Transfer
Record Updated	Jun 15, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$276.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3403 DENING CT, 3403, MIDLAND, NC 28107-7814

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10340 FLAT STONE RD, CHARLOTTE, NC 28213-5892

Mortgage

Document Number	0000117808
Date	Sep 18, 2018
Instrument	2018117808

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Change Frequency	Annually
Min Rate At Change	6%
Index	5-Year CMT
Max Rate	10.2%

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 10340 Flat Stone Rd 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
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

Wildfire risk around 10340 Flat Stone Rd 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 94% of the US · lower than 96% 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 373 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Windstream DSL	100 / 20

May also be available: T-Mobile.

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