Mecklenburg County property record for 11539 Five Cedars Rd, Charlotte, NC 28226
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,385 sqft · built 1980 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | Company Name on File |
| Last Sale | $375,000 (Jul 2025) |
| Tax Bill | $2,730 (2024) |
| Deeds & Mortgages | Jan 2026 Transfer Jan 2026 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 221-322-40 |
| Primary APN | 221-322-40 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,385 sqft Living Area |
| 1st Floor Area | 1,385 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,326 sqft (0.26 acres) |
| Garage Area | 437 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 18 sqft |
| Patio Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Street Address | 11539 FIVE CEDARS RD |
|---|---|
| City | CHARLOTTE |
| State | NC |
| Zip | 28226-3733 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-12(CD) |
| Legal Description | L74 B9 M19-174 |
| Legal Subdivision | WALNUT CRK |
| Legal Block | 9 |
| Legal Lot Number | 74 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 1, CHARLOTTE |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 5830 |
Source: Mecklenburg County records · APN 221-322-40
Assessment roll updated September 9, 2025 · Last verified May 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 16505 ZUMAQUE, 193, RANCHO SANTA FE, CA 92067 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Date | Document |
|---|---|
| Jan 15, 2026 | Intrafamily Transfer, Transfer |
| Jan 15, 2026 | Warranty Deed, Transfer |
| Feb 25, 2021 | Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Nov 22, 2019 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 28, 2025 · Amount on Record |
| Deed Sale | Jul 28, 2025 · Amount on Record |
| Prior Sale | Feb 25, 2021 · Amount on Record |
| Deed Document Number | 202574712 |
| Deed Book / Page | 39747 / 922 |
| Last Transfer Date | Oct 08, 2025 |
| Transfer Doc | 0000004410 |
| Record Updated | Jun 08, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Jan 15, 2026 |
| Property Address | 11539 FIVE CEDARS RD, CHARLOTTE, NC 28226-3733 |
| Document Number | 0000004410 |
| Book / Page | 40139 / 41 |
| Map Reference | MB 19 PG 174 |
| Instrument Date | Oct 08, 2025 |
| Instrument | 2026004410 |
| Transaction Type | Transfer |
| Record Updated | Jan 28, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 16505 ZUMAQUE # 193, 193, RANCHO SANTA FE, CA 92067 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Jan 15, 2026 |
| Property Address | 11539 FIVE CEDARS RD, CHARLOTTE, NC 28226-3733 |
| Document Number | 0000004411 |
| Book / Page | 40139 / 44 |
| Map Reference | MB 19 PG 174 |
| Instrument Date | Oct 08, 2025 |
| Instrument | 2026004411 |
| Transaction Type | Transfer |
| Record Updated | Jan 28, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 16505 ZUMAQUE # 193, 193, RANCHO SANTA FE, CA 92067 |
| Name | Verified Name |
|---|---|
| Address | 16505 ZUMAQUE # 193, 193, RANCHO SANTA FE, CA 92067 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Feb 25, 2021 |
| Property Address | 11539 FIVE CEDARS RD, CHARLOTTE, NC 28226-3733 |
| Document Number | 0000036562 |
| Book / Page | 35718 / 838 |
| Map Reference | MB 19 PG 174 |
| Instrument Date | Feb 25, 2021 |
| Instrument | 2021036562 |
| Transaction Type | Transfer |
| Record Updated | May 25, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $580.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 118 SANDREED DR, MOORESVILLE, NC 28117-4360 |
| Name | Verified Name |
|---|---|
| Address | 11539 FIVE CEDARS RD, CHARLOTTE, NC 28226-3733 |
| Document Number | 0000036563 |
|---|---|
| Date | Feb 25, 2021 |
| Instrument | 2021036563 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 11539 FIVE CEDARS RD, CHARLOTTE, NC 28226-3733 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0000159761 |
|---|---|
| Date | Nov 22, 2019 |
| Book Page | 34061/011 |
| Instrument | 2019159761 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Address | NEW CASTLE, DE 19720 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 22, 2049 |
Source: Mecklenburg County records · Assessment roll updated September 9, 2025 · Last verified May 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mecklenburg County |
| Municipality | Charlotte City |
| Unified School District | Charlotte-Mecklenburg Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $340,300 Land $75,000 Building $265,300 | $340,300 (-) Land $75,000 Building $265,300 | |
| 2024 | $2,730.00 | ||
| 2023 | $340,300 Land $75,000 Building $265,300 |
Source: FEMA National Flood Hazard Layer as of October 3, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 (1995–1997) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Jul 1997 · rainfall accumulation |
| Wildfire Risk | Low lower than 95% of the US · lower than 97.4% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
Based on FCC filings for 285 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CHARLOTTE WATER serves 1,206,285 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures