1123 Lost Oak Rd, Charlotte, NC 28270 Property Records

Mecklenburg County property record for 1123 Lost Oak Rd, Charlotte, NC 28270

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 4,653 sqft · built 2005
Lot Size	0.28 acres (12,238 sqft)
Owner	Individual Name on Record
Last Sale	$709,000 (May 2018)
Tax Bill	$8,123 (2023)
Deeds & Mortgages	Jul 2020 Line of Credit Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`213-041-54`

Property Details

APN / Parcel Number

Primary APN	`213-041-54`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	4,653 sqft Heated Area
Gross Area	5,846 sqft
1st Floor Area	1,856 sqft
Upper Floors Area	2,797 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Architectural Style	Other
Exterior Material	Brick Veneer
Foundation Type	Raised
Lot Area	12,238 sqft (0.28 acres)
Garage Area	660 sqft
Porch	Porch
Porch Area	400 sqft
Patio Area	16 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	213-041-54
Street Address	1123 LOST OAK RD
City	CHARLOTTE
State	NC
Zip	28270-0898
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	L28 M44-614
Legal Subdivision	LOST TREE
Legal Lot Number	28
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	2
Census Block	2001
Census Tract	3016

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	1123 LOST OAK RD, CHARLOTTE, NC 28270-0898
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2020	Deed of Trust, Mortgage · Line of Credit UWHARRIE BANK
Jul 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage UWHARRIE BANK
May 16, 2018	Warranty Deed, Transfer · Conventional Mortgage AMERICAN SECURITY MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 2018 · Amount on Record
Deed Sale	May 16, 2018 · Amount on Record
Prior Sale	May 21, 2007 · Amount on Record
Deed Document Number	0032680710
Deed Book / Page	32680 / 710
Record Updated	Jun 7, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	1123 LOST OAK RD, CHARLOTTE, NC 28270-0898
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000107632
Date	Jul 16, 2020
Book Page	34810/785
Instrument	2020107632

Lender

Name	UWHARRIE BANK
Type	Bank
Address	CHARLOTTE, NC 28277

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	1123 LOST OAK RD, CHARLOTTE, NC 28270-0898
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000107631
Date	Jul 16, 2020
Book Page	34810/775
Instrument	2020107631

Lender

Name	UWHARRIE BANK
Type	Bank
Address	ALBEMARLE, NC 28001

Agreement

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

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	May 16, 2018
Property Address	1123 LOST OAK RD, CHARLOTTE, NC 28270-0898
Document Number	0000059378
Book / Page	32680 / 710
Map Reference	MB44 PG614
Instrument Date	May 15, 2018
Instrument	2018059378
Transaction Type	Transfer
Record Updated	Jun 15, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,418.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3126 SHARON VIEW RD, 3126, CHARLOTTE, NC 28210-3308

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	1123 LOST OAK RD, CHARLOTTE, NC 28270-0898

Mortgage

Document Number	0000059379
Date	May 16, 2018
Instrument	2018059379

Lender

Name	AMERICAN SECURITY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2048

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	4 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 186 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Google Fiber Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Windstream DSL	300 / 20

May also be available: T-Mobile.

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