11432 James Jack Ln, Charlotte, NC 28277 Property Records

Mecklenburg County property record for 11432 James Jack Ln, Charlotte, NC 28277

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 3,957 sqft · built 1999
Lot Size	0.552 acres (24,080 sqft)
Owner	2 Individual Names on Record
Last Sale	$13,500 (May 2019)
Tax Bill	$10,898 (2023)
Deeds & Mortgages	Jun 2021 Mortgage Sep 2020 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`223-103-50`

Property Details

APN / Parcel Number

Primary APN	`223-103-50`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	3,957 sqft Heated Area
Gross Area	4,799 sqft
1st Floor Area	2,353 sqft
Upper Floors Area	1,731 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Architectural Style	Other
Exterior Material	Brick Veneer
Foundation Type	Raised
Roof Material	Wood
Lot Area	24,080 sqft (0.552 acres)
Garage Area	655 sqft
Porch	Porch
Porch Area	60 sqft
Patio Area	878 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	223-103-50
Street Address	11432 JAMES JACK LN
City	CHARLOTTE
State	NC
Zip	28277-3721
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MX-1
Legal Description	L584 M29-383
Legal Subdivision	BALLANTYNE CC PH 02 MAP 01
Legal Lot Number	584
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	3
Census Block	3012
Census Tract	5855

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	2 Individual Names on Record
Mailing Address	11432 JAMES JACK LN, CHARLOTTE, NC 28277-3721
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage SOUTH STATE BANK NA
Sep 22, 2020	Deed of Trust, Mortgage · Construction Mortgage CENTERSTATE BANK NA
Sep 27, 2018	Warranty Deed, Transfer · Conventional Mortgage ALLEN TATE MORTGAGE SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 7, 2019 · Amount on Record
Deed Sale	May 7, 2019 · Amount on Record
Prior Sale	Sep 27, 2018 · Amount on Record
Deed Document Number	2019054602
Deed Book / Page	33005 / 962
Record Updated	Jun 7, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	11432 JAMES JACK LN, CHARLOTTE, NC 28277-3721
Transaction Type	Mortgage
Record Updated	May 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000127494
Date	Jun 30, 2021
Book Page	36244/609
Instrument	2021127494

Lender

Name	SOUTH STATE BANK NA
Type	Bank
Address	CHARLESTON, SC 29406

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	11432 JAMES JACK LN, CHARLOTTE, NC 28277-3721
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000153339
Date	Sep 22, 2020
Book Page	35082/277
Instrument	2020153339

Lender

Name	CENTERSTATE BANK NA
Type	Bank
Address	CHARLESTON, SC 29406

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Oct 1, 2030
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9%
Index	1-Year LIBOR
Max Rate	9%

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Sep 27, 2018
Property Address	11432 JAMES JACK LN, CHARLOTTE, NC 28277-3721
Document Number	0000122549
Book / Page	33005 / 962
Map Reference	MB29 PG383
Instrument Date	Sep 27, 2018
Instrument	2018122549
Transaction Type	Transfer
Record Updated	Jun 15, 2021
Title Company	MASTER TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,600.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5118 LOMA LINDA LN, 5118, CHARLOTTE, NC 28270-0227

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11432 JAMES JACK LN, CHARLOTTE, NC 28277-3721

Mortgage

Document Number	0000122550
Date	Sep 27, 2018
Instrument	2018122550

Lender

Name	ALLEN TATE MORTGAGE SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 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	3 in force
Nearby Flood Claims	2 (2024)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2024 · Tropical Storm Helene

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	LAMPLIGHTER SOUTH-DANBY private · serves 3,297 people · EPA ID NC0160156
Water Source	Purchased surface water from LANCASTER COUNTY W&SD
Last State Inspection	Sep 2025
Also Mapped Here	CHARLOTTE WATER
Lead	Under 1 ppb (2026–2028) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 316 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Google Fiber Fiber	8,000 / 8,000
AT&T Fiber · DSL	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.

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