10733 E Lake Rd, Charlotte, NC 28215 Property Records

Mecklenburg County property record for 10733 E Lake Rd, Charlotte, NC 28215

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,560 sqft · built 1978
Lot Size	0.731 acres (31,854 sqft)
Owner	Individual Name on Record
Last Sale	$285,000 (Dec 2019)
Tax Bill	$4,075 (2023)
Deeds & Mortgages	Mar 2026 Second Mortgage Jun 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`111-112-08`

Property Details

APN / Parcel Number

Primary APN	`111-112-08`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,560 sqft Heated Area
Gross Area	2,402 sqft
1st Floor Area	1,116 sqft
Upper Floors Area	780 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Architectural Style	Other
Exterior Material	Composition/Composite
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	31,854 sqft (0.731 acres)

Exterior Amenities

Porch	Porch
Porch Area	258 sqft
Deck Area	168 sqft
Patio Area	189 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Old Parcel Number	111-112-08
Street Address	10733 E LAKE RD
City	CHARLOTTE
State	NC
Zip	28215-9086
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	L16 BH M7-853
Legal Subdivision	CEDARBROOK ACRES MAP 04
Legal Block	H
Legal Lot Number	16
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	2
Census Block	2011
Census Tract	5627

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	10733 E LAKE RD, CHARLOTTE, NC 28215-9086
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 12, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Jun 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Jan 16, 2018	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Nov 10, 2020	Deed of Trust, Mortgage · Line of Credit LOWER
Nov 10, 2020	Deed of Trust, Mortgage · Conventional with PMI LOWER
Dec 10, 2019	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 10, 2019 · Amount on Record
Deed Sale	Dec 10, 2019 · Amount on Record
Prior Sale	Apr 18, 2008 · Amount on Record
Deed Document Number	0034110411
Deed Book / Page	34110 / 411
Record Updated	Jun 7, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	10733 E LAKE RD, CHARLOTTE, NC 28215-9086
Transaction Type	Mortgage
Record Updated	Mar 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000025009
Date	Mar 12, 2026
Book Page	40263/503
Instrument	2026025009

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2046

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	10733 E LAKE RD, CHARLOTTE, NC 28215-9086
Transaction Type	Mortgage
Record Updated	May 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000125914
Date	Jun 29, 2021
Book Page	36235/29
Instrument	2021125914

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

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

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	10733 E LAKE RD, CHARLOTTE, NC 28215-9086
Transaction Type	Mortgage
Record Updated	Jun 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004911
Date	Jan 16, 2018
Book Page	32404/316
Instrument	2018004911

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	CORNELIUS, NC 28031

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	10733 E LAKE RD, CHARLOTTE, NC 28215-9086
Document Number	0000192942
Instrument Date	Nov 10, 2020
Transaction Type	Mortgage
Record Updated	Jan 7, 2021
Title Company	MEYMAX TITLE AGENCY LLC, MEYMAX TITLE AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10733 E LAKE RD CHARLOTTE NC 282159086, CHARLOTTE, NC 28215-9086

Mortgage

Document Number	0000192942
Date	Nov 16, 2020
Book Page	035320/000111
Instrument	192942

Lender

Name	LOWER
Address	COLUMBIA, MD 21044

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Nov 15, 2040

Interest

Rate Type	Adjustable Rate

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	10733 E LAKE RD, CHARLOTTE, NC 28215-9086
Document Number	0000192941
Instrument Date	Nov 10, 2020
Transaction Type	Mortgage
Record Updated	Jan 7, 2021
Title Company	MEYMAX TITLE AGENCY LLC, MEYMAX TITLE AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10733 E LAKE RD CHARLOTTE NC 282159086, CHARLOTTE, NC 28215-9086

Mortgage

Document Number	0000192941
Date	Nov 16, 2020
Book Page	035320/000101
Instrument	192941

Lender

Name	LOWER
Address	COLUMBIA, MD 21044

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 15, 2050

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Dec 10, 2019
Property Address	10733 E LAKE RD, CHARLOTTE, NC 28215-9086
Document Number	0000168609
Book / Page	34110 / 411
Map Reference	MB 7 PG 853
Instrument Date	Dec 10, 2019
Instrument	2019168609
Transaction Type	Transfer
Record Updated	Jun 15, 2021
Title Company	MASTER TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$570.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	243 NEY CIR, 243, DAVIDSON, NC 28036-7883

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10733 E LAKE RD, CHARLOTTE, NC 28215-9086

Mortgage

Document Number	0000168610
Date	Dec 10, 2019
Instrument	2019168610

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

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

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
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2024 · Tropical Storm Debby

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 62% of the US · above 54% of North Carolina
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

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 260 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
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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