Mecklenburg County property record for 10804 Pointer Ridge Dr, Charlotte, NC 28214
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,112 sqft · built 2004 |
| Lot Size | 0.266 acres (11,626 sqft) |
| Owner | Individual Name on File |
| Last Sale | $234,000 (Jan 2019) |
| Tax Bill | $2,349 (2023) |
| Deeds & Mortgages | May 2022 Mortgage Jan 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 031-462-04 |
| Primary APN | 031-462-04 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,112 sqft Heated Area |
| Gross Area | 3,184 sqft |
| 1st Floor Area | 1,556 sqft |
| Upper Floors Area | 1,556 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 11,626 sqft (0.266 acres) |
| Porch | Porch |
| Porch Area | 72 sqft |
| Patio Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Old Parcel Number | 031-462-04 |
|---|---|
| Street Address | 10804 POINTER RIDGE DR |
| City | CHARLOTTE |
| State | NC |
| Zip | 28214-1071 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3 |
| Legal Description | L4 M39-169 |
| Legal Subdivision | CATAWBA RIV PLANTATION MA PH 0 |
| Legal Lot Number | 4 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 12, PAW CREEK |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 6013 |
Source: Mecklenburg County records · APN 031-462-04
Assessment roll updated January 1, 2023 · Last verified June 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 File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 10804 POINTER RIDGE DR, CHARLOTTE, NC 28214-1071 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 20, 2022 | Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC |
| Jan 18, 2019 | Warranty Deed, Transfer · ARM STATE EMPLOYEES CU |
| Aug 27, 2018 | Trustee's Deed, Foreclosure ATTORNEY ONLY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 18, 2019 · Amount on Record |
| Deed Sale | Jan 18, 2019 · Amount on Record |
| Prior Sale | Aug 27, 2018 · Amount on Record |
| Deed Document Number | 0033234148 |
| Deed Book / Page | 33234 / 148 |
| Record Updated | Jun 07, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 10804 POINTER RIDGE DR, CHARLOTTE, NC 28214-1071 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2023 |
| Title Company | SERVICELINK EAST ESCROW |
| Name | Verified Name |
|---|
| Document Number | 0000077497 |
|---|---|
| Date | May 20, 2022 |
| Book Page | 37358/493 |
| Instrument | 2022077497 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Jan 18, 2019 |
| Property Address | 10804 POINTER RIDGE DR, CHARLOTTE, NC 28214-1071 |
| Document Number | 0000006355 |
| Book / Page | 33234 / 148 |
| Map Reference | MB 39 PG 169 |
| Instrument Date | Jan 10, 2019 |
| Instrument | 2019006355 |
| Transaction Type | Transfer |
| Record Updated | Jun 15, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $468.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4100 CARMEL RD # RDB122, 4100, CHARLOTTE, NC 28226-6150 |
| Name | Verified Name |
|---|---|
| Address | 10804 POINTER RIDGE DR, CHARLOTTE, NC 28214-1071 |
| Document Number | 0000006356 |
|---|---|
| Date | Jan 18, 2019 |
| Instrument | 2019006356 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.87% |
| Change Frequency | 5 Years |
| Min Rate At Change | 4.25% |
| Index | 5-Year CMT |
| Margin | 2 |
| Max Rate | 10.2% |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Aug 27, 2018 |
| Property Address | 10804 POINTER RIDGE DR, CHARLOTTE, NC 28214-1071 |
| Document Number | 0000108633 |
| Book / Page | 032933 / 000876 |
| Instrument Date | Jul 19, 2018 |
| Instrument | 108633 |
| Transaction Type | Foreclosure |
| Record Updated | Sep 19, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $302.84 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 4100 CARMEL RD #122 CHARLOTTE NC 282266150, 122, CHARLOTTE, NC 28226-6150 |
Source: Mecklenburg County records · Assessment roll updated January 1, 2023 · Last verified June 2023
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mecklenburg County |
| Unified School District | Charlotte-Mecklenburg Schools (PK - 12) |
Source: FEMA National Flood Hazard Layer as of October 3, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Wildfire Risk | Low lower than 67% of the US · above 43% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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.
Based on FCC filings for 274 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CHARLOTTE WATER serves 1,206,285 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jul 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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