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11400 Spreading Oak Ln, Charlotte, NC 28226 Property Records

Mecklenburg County property record for 11400 Spreading Oak Ln, Charlotte, NC 28226

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 1,627 sqft · built 1979
Lot Size0.649 acres (28,283 sqft)
OwnerCompany Name on Record
Last Sale$435,500 (Aug 2021)
Tax Bill$3,951 (2023)
Deeds & MortgagesApr 2022 Mortgage
Aug 2021 Sale
Flood ZoneZone X (minimal risk)
APN221-341-25

Property Details

APN / Parcel Number

Primary APN221-341-25

Interior

Bedrooms4 Beds
Full Baths3 Baths
Total Rooms8 Rooms
Stories1 Story
Building Area1,627 sqft Heated Area
Gross Area3,251 sqft
1st Floor Area1,627 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1979
Architectural StyleRanch
Exterior MaterialComposition/Composite
Foundation TypeRaised
Roof MaterialAsphalt
Lot Area28,283 sqft (0.649 acres)
Garage Area734 sqft

Exterior Amenities

PorchPorch
Porch Area55 sqft
Deck Area198 sqft
Patio Area318 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHeat Pump
Heating FuelElectric

Location & Zoning

Old Parcel Number221-341-25
Street Address11400 SPREADING OAK LN
CityCHARLOTTE
StateNC
Zip28226-3716
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-12(CD)
Legal DescriptionL25 B9 M18-209
Legal SubdivisionWALNU T CRK
Legal Block9
Legal Lot Number25
JurisdictionMECKLENBURG NC
Township / Civil Division1, CHARLOTTE
Census Block Group2
Census Block2001
Census Tract5830

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 RecordCompany Name on Record
Mailing Address1850 PARKWAY PL SE STE 900, 900, MARIETTA, GA 30067-8261
Owner TypeCompany

Deeds, Mortgages & Sale History

DateDocument
Apr 20, 2022Deed of Trust, Mortgage · Unknown
MORGAN STANLEY MORTGAGE CAPITAL HOLDINGS
Aug 31, 2021Warranty Deed, Transfer
CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 31, 2021 · Amount on Record
Deed SaleAug 31, 2021 · Amount on Record
Deed Document Number0036479395
Deed Book / Page36479 / 395
Record UpdatedJun 7, 2026

April 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMECKLENBURG NC
Property Address11400 SPREADING OAK LN, CHARLOTTE, NC 28226-3716
Transaction TypeMortgage
Record UpdatedMay 25, 2023
Title CompanyNOT AVAILABLE, OS NATIONAL RESWARE

Transferred To (Grantee/Buyer)

NameVerified Name
InvestorPossibly a Property Investor

Mortgage

Document Number0000060380
DateApr 20, 2022
Book Page37265/260
Instrument2022060380
Lender
NameMORGAN STANLEY MORTGAGE CAPITAL HOLDINGS
TypeMortgage Company
AddressNEW YORK, NY 10036
Agreement
TypeUnknown
AmountAmount Recorded
Term61 Months
DueMay 7, 2027

August 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMECKLENBURG NC
Recording DateAug 31, 2021
Property Address11400 SPREADING OAK LN, CHARLOTTE, NC 28226-3716
Document Number0000168038
Book / Page36479 / 395
Map ReferenceMB 18 PG 209
Instrument DateAug 30, 2021
Instrument2021168038
Transaction TypeTransfer
Record UpdatedMay 25, 2023
Title CompanyCHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

AmountAmount Recorded
Tax$871.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address7100 MASSEY RD, WAXHAW, NC 28173-7406

Transferred To (Grantee/Buyer)

NameVerified Name
Address1850 PARKWAY PL SE STE 900, 900, MARIETTA, GA 30067-8261
InvestorPossibly a Property Investor

Tax Assessment & Valuation

Source: Mecklenburg County assessment roll, as of January 1, 2023

Property Jurisdictions

TypeName
StateNorth Carolina
CountyMecklenburg County
MunicipalityCharlotte City
Unified School DistrictCharlotte-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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 2 (40% premium discount)
Nearby Flood Policies3 in force
Nearby Flood Claims2 (1995–1997)
Claims Outside the SFHA1 of 2
Most Recent ClaimJul 1997 · rainfall accumulation

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 RiskLow
lower than 64% of the US · above 49% of North Carolina
Wildfire Likelihood0.04% annual chance
ExposureDirect
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 SystemCHARLOTTE WATER
serves 1,206,285 people · EPA ID NC0160010
Water SourceSurface water
Last State InspectionJul 2025
LeadUnder 1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 165 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		1,000 / 75
T-Mobile
Fixed Wireless		100 / 20

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