11515 Willows Wisp Dr, Charlotte, NC 28277 Property Records

Mecklenburg County property record for 11515 Willows Wisp Dr, Charlotte, NC 28277

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,389 sqft · built 1992
Lot Size	0.322 acres (14,051 sqft)
Owner	2 Individual Names on File
Last Sale	$385,000 (May 2020)
Tax Bill	$5,540 (2023)
Deeds & Mortgages	Feb 2021 Mortgage Feb 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`225-044-29`

Property Details

APN / Parcel Number

Primary APN	`225-044-29`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,389 sqft Heated Area
Gross Area	3,204 sqft
1st Floor Area	1,122 sqft
Upper Floors Area	1,406 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Architectural Style	Other
Exterior Material	Other
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	14,051 sqft (0.322 acres)
Garage Area	484 sqft

Exterior Amenities

Porch	Porch
Porch Area	192 sqft
Deck Area	144 sqft
Patio Area	176 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	225-044-29
Street Address	11515 WILLOWS WISP DR
City	CHARLOTTE
State	NC
Zip	28277-8400
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	L28 M24-480
Legal Subdivision	POND SIDE
Legal Lot Number	28
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	2
Census Block	2005
Census Tract	5816

Owner

11515 Willows Wisp Dr is owned and occupied by two individuals who bought it in May 2020.

Source: Mecklenburg County records, as of May 24, 2023

Owner of Record	2 Individual Names on File
Mailing Address	11515 WILLOWS WISP DR, CHARLOTTE, NC 28277-8400
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.

Deeds, Mortgages & Sale History

Date	Document
Feb 16, 2021	Deed of Trust, Mortgage · VA Mortgage LOANUNITED.COM LLC
Feb 24, 2020	Deed of Trust, Mortgage · Line of Credit TOWNEBANK
May 11, 2020	Warranty Deed, Transfer · VA Mortgage USAA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 11, 2020 · Amount on File
Deed Sale	May 11, 2020 · Amount on File
Prior Sale	May 16, 2014
Deed Document Number	0034561992
Deed Book / Page	34561 / 992
Record Updated	Jun 7, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	11515 WILLOWS WISP DR, CHARLOTTE, NC 28277-8400
Transaction Type	Mortgage
Record Updated	May 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000029457
Date	Feb 16, 2021
Book Page	35676/860
Instrument	2021029457

Lender

Name	LOANUNITED.COM LLC
Type	Mortgage Company
Address	NORCROSS, GA 30093

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	11515 WILLOWS WISP DR, CHARLOTTE, NC 28277-8400
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CORPORATE SETTLEMENT SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000025342
Date	Feb 24, 2020
Book Page	34307/128
Instrument	2020025342

Lender

Name	TOWNEBANK
Type	Bank
Address	CHARLOTTE, NC 28211

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	420 Months
Due	Feb 18, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	May 11, 2020
Property Address	11515 WILLOWS WISP DR, CHARLOTTE, NC 28277-8400
Document Number	0000066769
Book / Page	034561 / 000992
Instrument Date	May 11, 2020
Instrument	66769
Transaction Type	Transfer
Record Updated	Jun 18, 2020
Title Company	MASTERS TITLE AGENCY INC, MASTERS TITLE AGCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$770.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	11515 WILLOWS WISP DR CHARLOTTE NC 282778400, CHARLOTTE, NC 28277-8400

Mortgage

Document Number	66770
Date	May 11, 2020
Book Page	034562/000001
Instrument	66770

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 10, 2050

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

FEMA maps place 11515 Willows Wisp Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.

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	1 in force
Nearby Flood Claims	1 (2020)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2020 · other causes

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 11515 Willows Wisp Dr is low, with less than 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 99.8% of the US · lower than 99.9% of North Carolina
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 217 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Google Fiber Fiber	8,000 / 8,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	1,000 / 75
T-Mobile Fixed Wireless	100 / 20
Windstream DSL	100 / 20

May also be available: AT&T.

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