10603 Pointer Ridge Dr, Charlotte, NC 28214 Property Records

Mecklenburg County property record for 10603 Pointer Ridge Dr, Charlotte, NC 28214

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,106 sqft · built 2014
Lot Size	0.238 acres (10,410 sqft)
Owner	Individual Name on Record
Last Sale	$225,000 (Feb 2020)
Tax Bill	$2,224 (2023)
Deeds & Mortgages	Oct 2021 Mortgage Feb 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`031-462-42`

Property Details

APN / Parcel Number

Primary APN	`031-462-42`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,106 sqft Heated Area
Gross Area	2,552 sqft
1st Floor Area	978 sqft
Upper Floors Area	1,218 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2014
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Lot Area	10,410 sqft (0.238 acres)
Garage Area	240 sqft
Porch	Porch
Porch Area	16 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	031-462-42
Street Address	10603 POINTER RIDGE DR
City	CHARLOTTE
State	NC
Zip	28214-1075
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MX-2
Legal Description	L53 M40-59
Legal Subdivision	CATAWBA RIV PLANTATION PH 04 M
Legal Lot Number	53
Jurisdiction	MECKLENBURG NC
Township / Civil Division	12, PAW CREEK
Census Block Group	1
Census Block	1009
Census Tract	6013

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	10603 POINTER RIDGE DR, CHARLOTTE, NC 28214-1075
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA
Feb 13, 2020	Warranty Deed, Transfer · Conventional Mortgage FOUNDERS FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 13, 2020 · Amount on Record
Deed Sale	Feb 13, 2020 · Amount on Record
Prior Sale	Feb 18, 2015 · Amount on Record
Deed Document Number	0034281760
Deed Book / Page	34281 / 760
Record Updated	Jun 7, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	10603 POINTER RIDGE DR, CHARLOTTE, NC 28214-1075
Transaction Type	Mortgage
Record Updated	May 25, 2023
Title Company	NOT AVAILABLE, NATIONAL LINK ORIGINATIONS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000194382
Date	Oct 12, 2021
Book Page	36630/902
Instrument	2021194382

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Feb 13, 2020
Property Address	10603 POINTER RIDGE DR, CHARLOTTE, NC 28214-1075
Document Number	0000020952
Book / Page	34281 / 760
Map Reference	MB 40 PG 59
Instrument Date	Feb 13, 2020
Instrument	2020020952
Transaction Type	Transfer
Record Updated	Jun 15, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$450.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10603 POINTER RIDGE DR, CHARLOTTE, NC 28214-1075

Mortgage

Document Number	0000020953
Date	Feb 13, 2020
Instrument	2020020953

Lender

Name	FOUNDERS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	1 Months
Due	Mar 5, 2020

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Mar 5, 2027
Change Frequency	Annually
Min Rate At Change	3.5%
Max Rate At Change	6.25%
Index	10-Year TN
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
Unified School District	Charlotte-Mecklenburg Schools (PK - 12)

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

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

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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