Mecklenburg County property record for 11704 Smart Ln, Charlotte, NC 28277
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 11 ba · 10,016 sqft · built 2011 |
| Lot Size | 0.583 acres (25,398 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $315,000 (Feb 2009) |
| Tax Bill | $24,453 (2023) |
| Deeds & Mortgages | Oct 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 223-104-06 |
| Primary APN | 223-104-06 |
|---|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 11 Baths |
| Half Baths | 3 Half Baths |
| Stories | 2 Stories |
| Building Area | 10,016 sqft Heated Area |
| Gross Area | 17,740 sqft |
| 1st Floor Area | 4,817 sqft |
| Upper Floors Area | 5,199 sqft |
| Fireplaces | 6 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 2011 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Stucco |
| Foundation Type | Raised |
| Lot Area | 25,398 sqft (0.583 acres) |
| Garage Area | 600 sqft |
| Pool Area | 648 sqft |
|---|---|
| Porch | Porch |
| Porch Area | 1,598 sqft |
| Patio Area | 145 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Old Parcel Number | 223-104-06 |
|---|---|
| Street Address | 11704 SMART LN |
| City | CHARLOTTE |
| State | NC |
| Zip | 28277-3025 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MX-1 |
| Legal Description | P751 M31-817 |
| Legal Subdivision | BALLANTYNE CC |
| Legal Lot Number | 751 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 1, CHARLOTTE |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 5855 |
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 | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 11704 SMART LN, CHARLOTTE, NC 28277-3025 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 19, 2009 · Amount on Record |
| Deed Sale | Feb 19, 2009 · Amount on Record |
| Deed Document Number | 0024469190 |
| Deed Book / Page | 24469 / 190 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 11704 SMART LN, CHARLOTTE, NC 28277-3025 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN MORTGAGE SVCS |
| Name | Verified Name |
|---|
| Document Number | 0000177185 |
|---|---|
| Date | Oct 26, 2020 |
| Book Page | 35225/279 |
| Instrument | 2020177185 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.62% |
| Type Change Date | Nov 1, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 7.62% |
| Index | 1-Year LIBOR |
| Max Rate | 7.62% |
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) |
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 219 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 |
| AT&T Fiber · Fixed Wireless in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 1,000 / 75 |
May also be available: Google Fiber.
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