11131 Pointer Ridge Dr, Charlotte, NC 28214 Property Records

Mecklenburg County property record for 11131 Pointer Ridge Dr, Charlotte, NC 28214

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,782 sqft · built 2002
Lot Size	0.104 acres (4,561 sqft)
Owner	Individual Name on Record
Last Sale	$232,000 (Dec 2020)
Tax Bill	$3,057 (2023)
Deeds & Mortgages	Mar 2020 Mortgage Dec 2020 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`031-457-41`

Property Details

APN / Parcel Number

Primary APN	`031-457-41`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,782 sqft Heated Area
Gross Area	2,022 sqft
1st Floor Area	879 sqft
Upper Floors Area	903 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Lot Area	4,561 sqft (0.104 acres)
Garage Area	240 sqft
Patio Area	148 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	031-457-41
Street Address	11131 POINTER RIDGE DR
City	CHARLOTTE
State	NC
Zip	28214-1034
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MX-2
Legal Description	L76 M36-600
Legal Subdivision	CATAWBA RIV PLANTATION M PH 02
Legal Lot Number	76
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	1
Census Block	1005
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	11131 POINTER RIDGE DR, CHARLOTTE, NC 28214-1034
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Dec 18, 2020	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Dec 28, 2017	Warranty Deed, Transfer · VA Mortgage EMBRACE HM LOANS
Oct 5, 2017	Trustee's Deed, Construction Loan · Construction Mortgage BHARAH KARNATI
Sep 27, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 18, 2020 · Amount on Record
Deed Sale	Dec 18, 2020 · Amount on Record
Prior Sale	Dec 28, 2017 · Amount on Record
Deed Document Number	0035456470
Deed Book / Page	35456 / 470
Record Updated	Jun 7, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	11131 POINTER RIDGE DR, CHARLOTTE, NC 28214-1034
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000041041
Date	Mar 24, 2020
Book Page	34396/873
Instrument	2020041041

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Dec 18, 2020
Property Address	11131 POINTER RIDGE DR, CHARLOTTE, NC 28214-1034
Document Number	0000216220
Book / Page	35456 / 470
Map Reference	MB 36 PG 600
Instrument Date	Nov 30, 2020
Instrument	2020216220
Transaction Type	Transfer
Record Updated	Jun 15, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$464.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8859 AVEBURY DR, 8859, CHARLOTTE, NC 28213-4192

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11131 POINTER RIDGE DR, CHARLOTTE, NC 28214-1034

Mortgage

Document Number	0000216222
Date	Dec 18, 2020
Instrument	2020216222

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

Mortgage

Document Number	0000216223
Date	Dec 18, 2020
Book Page	35456/496
Instrument	2020216223

Lender

Name	CITY OF CHARLOTTIE
Type	Government Agency
Address	CHARLOTTE, NC 28202

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Dec 28, 2017
Property Address	11131 POINTER RIDGE DR, CHARLOTTE, NC 28214-1034
Document Number	0000173477
Book / Page	032374 / 000262
Instrument Date	Dec 22, 2017
Instrument	173477
Transaction Type	Transfer
Record Updated	Feb 20, 2018
Title Company	EQUITY NATIONAL TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$369.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11131 POINTER RIDGE DR CHARLOTTE NC 282141034, CHARLOTTE, NC 28214-1034

Mortgage

Document Number	174579
Date	Dec 28, 2017
Book Page	032380/000212
Instrument	174579

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 27, 2047

October 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Oct 5, 2017
Property Address	11131 POINTER RIDGE DR, CHARLOTTE, NC 28214-1034
Book / Page	032174 / 000645
Instrument Date	Oct 3, 2017
Instrument	135220
Transaction Type	Construction Loan
Record Updated	Feb 20, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	9520 ALICE MCGINN DR CHARLOTTE NC 282774111, CHARLOTTE, NC 28277-4111

Mortgage

Document Number	0000135220
Date	Oct 5, 2017
Book Page	032174/000645
Instrument	135220

Lender

Name	BHARAH KARNATI
Address	1600 W CAMINO DEL ARCO, HOBBS, NM 88240-1322

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Oct 4, 2018

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Sep 27, 2017
Property Address	11131 POINTER RIDGE DR, CHARLOTTE, NC 28214-1034
Document Number	0000130796
Book / Page	032150 / 000343
Instrument Date	Sep 21, 2017
Instrument	130796
Transaction Type	Transfer
Record Updated	Jan 10, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$266.00
Additional	Notice of Default Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	9520 ALICE MCGINN DR CHARLOTTE NC 282774111, CHARLOTTE, NC 28277-4111
Investor	Possibly a Property Investor

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

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

Nearby Properties on Pointer Ridge Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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