11438 Charlestowne Way, Locust, NC 28097 Property Records

Cabarrus County property record for 11438 Charlestowne Way, Locust, NC 28097

Property Summary

Property Type	Townhouse
Details	2 bd · 2.5 ba · 1,796 sqft · built 2011
Lot Size	0.05 acres (2,178 sqft)
Owner	2 Individual Names on File
Last Sale	$252,000 (Aug 2021)
Tax Bill	$2,153 (2023)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Jun 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10011C0012.000000`

Property Details

APN / Parcel Number

Primary APN	`10011C0012.000000`
Alternative APNs	`5565 52 1518` `130871` `148748`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,796 sqft Living Area
Gross Area	2,092 sqft
1st Floor Area	748 sqft
Upper Floors Area	748 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Architectural Style	Townhouse
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	2,178 sqft (0.05 acres)
Lot Width	17 ft Width
Garage Type	Detached - Unfinished
Garage Area	200 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	16 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	148748
Street Address	11438 CHARLESTOWNE WAY
City	LOCUST
State	NC
Zip	28097-6606
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	OPS
Legal Description	LT 12 VILLAGE OF CHARLES TOWNE
Legal Subdivision	GLENWOOD
Legal Lot Number	12
Jurisdiction	CABARRUS NC
Township / Civil Division	10, MIDLAND
Census Block Group	1
Census Block	1019
Census Tract	41604

Owner

11438 Charlestowne Way, a townhouse, is owned and occupied by two individuals who bought it in August 2021.

Source: Cabarrus County records, as of August 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	11438 CHARLESTOWNE WAY, LOCUST, NC 28097-6606
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2021	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
Jun 7, 2019	Warranty Deed, Transfer · FHA Mortgage WYNDHAM CAPITAL MORTGAGE INC
Aug 17, 2017	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 18, 2021 · Amount on File
Deed Sale	Aug 18, 2021 · Amount on File
Prior Sale	Jun 7, 2019 · Amount on File
Deed Book / Page	15419 / 318
Record Updated	Oct 29, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Aug 18, 2021
Property Address	11438 CHARLESTOWNE WAY, LOCUST, NC 28097-6606
Document Number	0015419318
Book / Page	15419 / 318
Map Reference	MB 56 PG 97&98
Instrument Date	Aug 18, 2021
Transaction Type	Transfer
Record Updated	May 3, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$504.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11749 GLENWOOD DR, 11749, LOCUST, NC 28097-7708

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11438 CHARLESTOWNE WAY, LOCUST, NC 28097-6606

Mortgage

Document Number	0015419321
Date	Aug 18, 2021
Instrument	15419/321

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.15%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2026
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	5.15%
Index	5-Year CMT
Max Rate	9.15%

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Jun 7, 2019
Property Address	11438 CHARLESTOWNE WAY, LOCUST, NC 28097-6606
Document Number	0013542274
Book / Page	13542 / 0274
Map Reference	MB 56 PG 97&98
Instrument Date	Jun 7, 2019
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	EXECUTIVE TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$340.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	814 RALEIGH CT, 814, GASTONIA, NC 28054-6471

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11438 CHARLESTOWNE WAY, LOCUST, NC 28097-6606

Mortgage

Document Number	0013542277
Date	Jun 7, 2019
Instrument	13542/277

Lender

Name	WYNDHAM CAPITAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2049

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	11438 CHARLESTOWNE WAY, LOCUST, NC 28097-6606
Document Number	1265270
Instrument Date	Aug 17, 2017
Transaction Type	Mortgage
Record Updated	Aug 24, 2018
Title Company	LENDER RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11438 CHARLESTOWNE WAY LOCUST NC 280976606, LOCUST, NC 28097-6606

Mortgage

Document Number	1265270
Date	Aug 30, 2017
Book Page	012652/000070
Instrument	22426

Lender

Name	FIFTH THIRD BK
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 29, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Cabarrus County assessment roll, as of August 27, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Cabarrus County
Municipality	Locust City
Unified School District	Cabarrus County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$259,400 Land $55,000 Building $204,400
2024			$259,400 (+53.15%) Land $55,000 Building $204,400
2023	$2,153.00	$169,380 Land $40,000 Building $129,380	$169,380 Land $40,000 Building $129,380

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 11438 Charlestowne Way in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 1, 2026 · 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 7 (15% premium discount)
Nearby Flood Policies	3 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

Wildfire risk around 11438 Charlestowne Way 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 80% of the US · lower than 76% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	STANFIELD #3-POLK FORD/RENEE FORD serves 854 people · EPA ID NC2084008
Water Source	Purchased surface water from STANLY CO-WEST STANLY DIST
Last State Inspection	Jul 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jan 2021
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	2 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 86 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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