Mecklenburg County property record for 11431 Red Rust Ln, Charlotte, NC 28277
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 2,796 sqft · built 2019 |
| Lot Size | 0.327 acres (14,245 sqft) |
| Owner | Individual Name on File |
| Last Sale | $462,000 (Oct 2019) |
| Tax Bill | $6,658 (2023) |
| Deeds & Mortgages | Aug 2021 Mortgage Oct 2021 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 229-174-01 |
| Primary APN | 229-174-01 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,796 sqft Heated Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2019 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 14,245 sqft (0.327 acres) |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Old Parcel Number | 229-174-01 |
|---|---|
| Street Address | 11431 RED RUST LN |
| City | CHARLOTTE |
| State | NC |
| Zip | 28277-4948 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | L51 M61-665 |
| Legal Subdivision | REA FARMS PH 1 MAP 1 |
| Legal Lot Number | 51 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 1, CHARLOTTE |
| Census Block Group | 3 |
| Census Block | 3019 |
| Census Tract | 5845 |
11431 Red Rust Ln is owned and occupied by an individual who bought it in October 2019.
Source: Mecklenburg County records, as of May 24, 2023
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 11431 RED RUST LN, CHARLOTTE, NC 28277-4948 |
| 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 |
|---|---|
| Aug 25, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Oct 7, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Aug 25, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Aug 27, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Nov 27, 2019 | Grant Deed, Subdivision Related Transfer · Conventional with PMI EAGLE HM MTG |
| Oct 30, 2019 | Special Warranty Deed, Transfer · Conventional Mortgage EAGLE HOME MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 30, 2019 · Amount on File |
| Deed Sale | Oct 30, 2019 · Amount on File |
| Deed Document Number | 0033993444 |
| Deed Book / Page | 33993 / 444 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 11431 RED RUST LN, CHARLOTTE, NC 28277-4948 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000163901 |
|---|---|
| Date | Aug 25, 2021 |
| Book Page | 36453/460 |
| Instrument | 2021163901 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.11% |
| Type Change Date | Sep 1, 2028 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 7.11% |
| Index | Other |
| Max Rate | 7.11% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 11431 RED RUST LN, CHARLOTTE, NC 28277-4948 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000191960 |
|---|---|
| Date | Oct 7, 2021 |
| Book Page | 36617/961 |
| Instrument | 2021191960 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Sep 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.11% |
| Type Change Date | Sep 1, 2028 |
| Change Frequency | Monthly |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 7.11% |
| Index | Other |
| Max Rate | 7.11% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 11431 RED RUST LN, CHARLOTTE, NC 28277-4948 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000163898 |
|---|---|
| Date | Aug 25, 2021 |
| Book Page | 36453/424 |
| Instrument | 2021163898 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 169 Months |
| Due | Sep 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 11431 RED RUST LN, CHARLOTTE, NC 28277-4948 |
| Transaction Type | Mortgage |
| Record Updated | Jun 15, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000136023 |
|---|---|
| Date | Aug 27, 2020 |
| Book Page | 34978/769 |
| Instrument | 2020136023 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Nov 27, 2019 |
| Property Address | 11431 RED RUST LN, CHARLOTTE, NC 28277-4948 |
| Document Number | 0000162590 |
| Book / Page | 034077 / 000075 |
| Instrument Date | Nov 26, 2019 |
| Instrument | 162590 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 19, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $582.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 11614 RED RUST LN CHARLOTTE NC 28277, CHARLOTTE, NC 28277 |
| Document Number | 162591 |
|---|---|
| Date | Nov 27, 2019 |
| Book Page | 034077/000078 |
| Instrument | 162591 |
| Name | EAGLE HM MTG |
|---|---|
| Type | Mortgage Company |
| Address | MIAMI, FL 33172-3139 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 26, 2049 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Oct 30, 2019 |
| Property Address | 11431 RED RUST LN, CHARLOTTE, NC 28277-4948 |
| Document Number | 0000147349 |
| Book / Page | 33993 / 444 |
| Map Reference | MB 61 PG 665 |
| Instrument Date | Oct 30, 2019 |
| Instrument | 2019147349 |
| Transaction Type | Transfer |
| Record Updated | Jun 15, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $924.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6701 CARMEL RD STE 425, 6701, CHARLOTTE, NC 28226-0203 |
| Name | Verified Name |
|---|---|
| Address | 11431 RED RUST LN, CHARLOTTE, NC 28277-4948 |
| Document Number | 0000147350 |
|---|---|
| Date | Oct 30, 2019 |
| Instrument | 2019147350 |
| Name | EAGLE HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2049 |
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) |
FEMA maps place 11431 Red Rust Ln in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective October 3, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 11431 Red Rust Ln is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 97.9% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.01% 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 | UNION COUNTY WATER SYSTEM serves 169,685 people · EPA ID NC0190413 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | May 2026 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | E. coli resolved · Mar 2020 Haloacetic acids resolved · Jul 2017 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 155 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 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| Windstream DSL | 100 / 20 |
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