10422 Ebbets Rd, Charlotte, NC 28273 Property Records

Mecklenburg County property record for 10422 Ebbets Rd, Charlotte, NC 28273

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 2,866 sqft · built 2016
Lot Size	0.203 acres (8,843 sqft)
Owner	Individual Name on File
Tax Bill	$4,207 (2025)
Deeds & Mortgages	Oct 2025 Second Mortgage Jul 2020 Loan Modification + 3 more
Flood Zone	Zone X (minimal risk)
APN	`199-206-37`

Property Details

APN / Parcel Number

Primary APN	`199-206-37`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,866 sqft Living Area
Gross Area	3,286 sqft
1st Floor Area	1,223 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Other
Lot Area	8,843 sqft (0.203 acres)
Garage Type	Attached
Garage Area	420 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	10422 EBBETS RD
City	CHARLOTTE
State	NC
Zip	28273-4358
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L169 M61-16
Legal Subdivision	VICTORIA AT ABERDEEN
Legal Block	6
Legal Lot Number	169
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	2
Census Block	2015
Census Tract	5923

Owner

10422 Ebbets Rd is owned and occupied by an individual who acquired it in September 2018.

Source: Mecklenburg County records, as of October 19, 2026

Owner of Record	Individual Name on File
Mailing Address	10422 EBBETS RD, CHARLOTTE, NC 28273-4358
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
Oct 6, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FREEDOM MORTGAGE CORP
Jul 13, 2020	Loan Modification, Mortgage · FHA Mortgage SUMMIT FNDG
Sep 28, 2018	Intrafamily Transfer, Transfer · FHA Mortgage SUMMIT FUNDING INC
Sep 28, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Oct 23, 2017	Special Warranty Deed, Transfer · Conventional Mortgage SUMMIT FUNDING INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 28, 2018
Deed Sale	Sep 28, 2018
Prior Sale	Oct 23, 2017 · Amount on File
Deed Document Number	2018123794
Deed Book / Page	33013 / 817
Prior Transfer Date	Sep 24, 2018
Prior Transfer Doc	0000123794
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	10422 EBBETS RD, CHARLOTTE, NC 28273-4358
Transaction Type	Mortgage
Record Updated	Oct 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10422 EBBETS RD, CHARLOTTE, NC 28273-4358

Mortgage

Document Number	0000101689
Date	Oct 6, 2025
Book Page	39910/391
Instrument	2025101689

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	312 Months
Due	Oct 1, 2051

July 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MECKLENBURG NC
Property Address	10422 EBBETS RD, CHARLOTTE, NC 28273-4358
Document Number	0000168912
Instrument Date	Jul 13, 2020
Transaction Type	Mortgage
Record Updated	Nov 17, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10422 EBBETS RD CHARLOTTE NC 282734358, CHARLOTTE, NC 28273-4358

Mortgage

Document Number	0000168912
Date	Oct 14, 2020
Book Page	035176/000200
Instrument	168912

Lender

Name	SUMMIT FNDG
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 13, 2050

Interest

Rate Type	Fixed Rate
Rate	3.87%

September 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MECKLENBURG NC
Recording Date	Sep 28, 2018
Property Address	10422 EBBETS RD, CHARLOTTE, NC 28273-4358
Document Number	0000123794
Book / Page	33013 / 817
Map Reference	MB61 PG16
Instrument Date	Sep 24, 2018
Instrument	2018123794
Transaction Type	Transfer
Record Updated	Jun 15, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10422 EBBETS RD, CHARLOTTE, NC 28273-4358

Mortgage

Document Number	0000123795
Date	Sep 28, 2018
Instrument	2018123795

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	337 Months
Due	Oct 1, 2046

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Sep 28, 2018
Property Address	10422 EBBETS RD, CHARLOTTE, NC 28273-4358
Document Number	0000123793
Book / Page	033013 / 000814
Instrument Date	Sep 24, 2018
Instrument	123793
Transaction Type	Transfer
Record Updated	Oct 18, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10422 EBBETS RD CHARLOTTE NC 282734358, CHARLOTTE, NC 28273-4358

October 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Oct 23, 2017
Property Address	10422 EBBETS RD, CHARLOTTE, NC 28273-4358
Document Number	0000143239
Book / Page	32215 / 624
Map Reference	MB61 PG16
Instrument Date	Oct 23, 2017
Instrument	2017143239
Transaction Type	Transfer
Record Updated	Jun 15, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$619.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11230 CARMEL COMMONS BLVD, 11230, CHARLOTTE, NC 28226-3920

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	10422 EBBETS RD, CHARLOTTE, NC 28273-4358

Mortgage

Document Number	0000143240
Date	Oct 23, 2017
Instrument	2017143240

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 10422 Ebbets Rd was $4,207.

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	$4,207.00	$525,900 Land $80,000 Building $445,900	$525,900 Land $80,000 Building $445,900

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

Flood

FEMA maps place 10422 Ebbets 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	3 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 10422 Ebbets Rd is low, with a 0.02% 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	0.02% 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 457 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

May also be available: T-Mobile, Verizon.

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