10344 Flat Stone Rd, Charlotte, NC 28213 Property Records

Mecklenburg County property record for 10344 Flat Stone Rd, Charlotte, NC 28213

Property Summary

Property Type	Townhouse
Details	3 bd · 2.5 ba · 1,771 sqft · built 2003
Lot Size	0.04 acres (1,742 sqft)
Owner	Individual Name on File
Last Sale	$165,000 (Sep 2018)
Tax Bill	$2,059 (2024)
Deeds & Mortgages	Apr 2026 Mortgage May 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`051-445-89`

Property Details

APN / Parcel Number

Primary APN	`051-445-89`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,771 sqft Living Area
Gross Area	1,991 sqft
1st Floor Area	781 sqft
Upper Floors Area	990 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Material	Asphalt
Lot Area	1,742 sqft (0.04 acres)
Garage Type	Attached
Garage Area	220 sqft
Porch	Finished/Open Porch
Porch Area	52 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	10344 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	L2082 M38-815
Legal Subdivision	TOWNES/OLDE STONE XING PH 01 MA
Legal Block	5
Legal Lot Number	2082
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	2
Census Block	2003
Census Tract	5625

Owner

10344 Flat Stone Rd, a townhouse, is owned and occupied by an individual who bought it in September 2018.

Source: Mecklenburg County records, as of May 21, 2026

Owner of Record	Individual Name on File
Mailing Address	10344 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
Apr 24, 2026	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CREDIT UNION
May 5, 2022	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Oct 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Sep 4, 2018	Warranty Deed, Transfer · ARM STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 4, 2018 · Amount on File
Deed Sale	Sep 4, 2018 · Amount on File
Prior Sale	Apr 27, 2006 · Amount on File
Deed Document Number	2018112230
Deed Book / Page	32954 / 58
Prior Transfer Date	Jan 4, 2007
Prior Transfer Doc	0000003376
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Recording Date	Apr 24, 2026
Property Address	10344 FLAT STONE RD, CHARLOTTE, NC 28213-5892
Document Number	0000042027
Book / Page	40368 / 442
Instrument Date	Apr 21, 2026
Instrument	202642027
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	LENDER RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10344 FLAT STONE RD, CHARLOTTE, NC 28213-5892
Investor	Possibly a Property Investor

Mortgage

Document Number	0000042027,
Date	Apr 24, 2026
Book Page	40368/442
Instrument	202642027

Lender

Name	STATE EMPLOYEES CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	10344 FLAT STONE RD, CHARLOTTE, NC 28213-5892
Transaction Type	Mortgage
Record Updated	May 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000068977
Date	May 5, 2022
Book Page	37313/745
Instrument	2022068977

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	HARRISBURG, NC 28075

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	10344 FLAT STONE RD, CHARLOTTE, NC 28213-5892
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000167256
Date	Oct 12, 2020
Book Page	35166/134
Instrument	2020167256

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Nov 1, 2040

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Sep 4, 2018
Property Address	10344 FLAT STONE RD, CHARLOTTE, NC 28213-5892
Document Number	0000112230
Book / Page	32954 / 058
Map Reference	MAP3 MB38 PG815
Instrument Date	Sep 4, 2018
Instrument	2018112230
Transaction Type	Transfer
Record Updated	Jun 15, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$330.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10344 FLAT STONE RD, CHARLOTTE, NC 28213-5892

Mortgage

Document Number	0000112231
Date	Sep 4, 2018
Instrument	2018112231

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	5 Years
Min Rate At Change	4.15%
Index	5-Year CMT
Margin	2
Max Rate	10.2%

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	Tax Bill	Assessed Value	Assessed Market Value
2025		$265,400 Land $55,000 Building $210,400	$265,400 Land $55,000 Building $210,400
2024	$2,059.00

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

Flood

FEMA maps place 10344 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 10344 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.

Nearby Properties on Flat Stone Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures