Mecklenburg County property record for 11423 Spreading Oak Ln, Charlotte, NC 28226
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,664 sqft · built 1979 |
| Lot Size | 0.485 acres (21,134 sqft) |
| Owner | Individual Name on File |
| Last Sale | $395,000 (Oct 2023) |
| Tax Bill | $4,514 (2023) |
| Deeds & Mortgages | Oct 2023 Sale & Mortgage Feb 2019 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 221-341-29 |
| Primary APN | 221-341-29 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,664 sqft Heated Area |
| Gross Area | 2,895 sqft |
| 1st Floor Area | 1,782 sqft |
| Upper Floors Area | 609 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Roof Material | Asphalt |
| Lot Area | 21,134 sqft (0.485 acres) |
| Porch | Porch |
| Porch Area | 231 sqft |
| Deck Area | 16 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Old Parcel Number | 221-341-29 |
|---|---|
| Street Address | 11423 SPREADING OAK LN |
| City | CHARLOTTE |
| State | NC |
| Zip | 28226-3717 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-12(CD) |
| Legal Description | L29B9M18-209 11423SPREADING OA |
| Legal Subdivision | WALNU T CRK |
| Legal Block | 9 |
| Legal Lot Number | 29B |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 1, CHARLOTTE |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 5830 |
11423 Spreading Oak Ln is owned and occupied by an individual who bought it in October 2023.
Source: Mecklenburg County records, as of October 17, 2023
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 11423 SPREADING OAK LN # LB, LB, CHARLOTTE, NC 28226-3717 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 5, 2023 | Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Feb 28, 2019 | Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK |
| Nov 13, 2019 | Deed of Trust, Mortgage · VA Mortgage ACCELERATE MTG LLC |
| Apr 12, 2018 | Deed of Trust, Mortgage · VA Mortgage CIS HM LNS |
| Aug 25, 2017 | Deed of Trust, Mortgage · VA Mortgage MAJESTIC HM LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 5, 2023 · Amount on File |
| Deed Sale | Oct 5, 2023 · Amount on File |
| Deed Document Number | 2023095380 |
| Deed Book / Page | 38413 / 413 |
| Record Updated | Jun 7, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Oct 5, 2023 |
| Property Address | 11423 SPREADING OAK LN, CHARLOTTE, NC 28226-3717 |
| Document Number | 0000095380 |
| Book / Page | 38413 / 413 |
| Map Reference | MB 18 PG 209 |
| Instrument Date | Oct 4, 2023 |
| Instrument | 2023095380 |
| Transaction Type | Transfer |
| Record Updated | Oct 18, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $790.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12412 OAKHAMPTON TER, HENRICO, VA 23233-3566 |
| Name | Verified Name |
|---|---|
| Address | 11423 SPREADING OAK LN # LB, LB, CHARLOTTE, NC 28226-3717 |
| Document Number | 0000095381 |
|---|---|
| Date | Oct 5, 2023 |
| Instrument | 2023095381 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 11423 SPREADING OAK LN, CHARLOTTE, NC 28226-3717 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000022118 |
|---|---|
| Date | Feb 28, 2019 |
| Book Page | 33314/532 |
| Instrument | 2019022118 |
| Name | THE FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60607 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 11423 SPREADING OAK LN, CHARLOTTE, NC 28226-3717 |
| Document Number | 0000156651 |
| Instrument Date | Nov 13, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 11, 2019 |
| Title Company | CLIENT FIRST TITLE INC |
| Name | Verified Name |
|---|---|
| Address | 11423 SPREADING OAK LN CHARLOTTE NC 282263717, CHARLOTTE, NC 28226-3717 |
| Document Number | 0000156651 |
|---|---|
| Date | Nov 18, 2019 |
| Book Page | 034043/000373 |
| Instrument | 156651 |
| Name | ACCELERATE MTG LLC |
|---|---|
| Address | NEWARK, DE 19713 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 17, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 11423 SPREADING OAK LN, CHARLOTTE, NC 28226-3717 |
| Document Number | 0000045705 |
| Instrument Date | Apr 12, 2018 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2018 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 11423 SPREADING OAK LN CHARLOTTE NC 282263717, CHARLOTTE, NC 28226-3717 |
| Document Number | 0000045705 |
|---|---|
| Date | Apr 17, 2018 |
| Book Page | 032608/000534 |
| Instrument | 45705 |
| Name | CIS HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | HAMILTON, AL 35570 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 16, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 11423 SPREADING OAK LN, CHARLOTTE, NC 28226-3717 |
| Document Number | 0000118633 |
| Book / Page | 032087 / 000186 |
| Instrument Date | Aug 25, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Sep 11, 2017 |
| Title Company | ARMOUR SETTLEMENT SERVICES LLC |
| Name | Verified Name |
|---|---|
| Address | 11423 SPREADING OAK LN CHARLOTTE NC 282263717, CHARLOTTE, NC 28226-3717 |
| Document Number | 0000118633 |
|---|---|
| Date | Aug 31, 2017 |
| Book Page | 032087/000186 |
| Instrument | 118633 |
| Name | MAJESTIC HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | ONTARIO, CA 91761 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 30, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.25% |
Source: Mecklenburg County assessment roll, as of January 1, 2023
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mecklenburg County |
| Municipality | Charlotte City |
| Unified School District | Charlotte-Mecklenburg Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $4,514.00 | $467,800 Land $80,000 Building $387,800 | $467,800 Land $80,000 Building $387,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 11423 Spreading Oak Ln in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 2 (40% premium discount) |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 2 (1995–1997) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Jul 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 risk around 11423 Spreading Oak Ln is low, with a 0.03% annual chance of 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 | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 165 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 | 1,000 / 75 |
| T-Mobile Fixed Wireless | 100 / 20 |
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