11712 James Jack Ln, Charlotte, NC 28277 Property Records

Mecklenburg County property record for 11712 James Jack Ln, Charlotte, NC 28277

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 6,410 sqft · built 2004
Lot Size	0.491 acres (21,411 sqft)
Owner	Individual Name on File
Last Sale	$1,280,000 (Jul 2020)
Tax Bill	$15,604 (2023)
Deeds & Mortgages	Dec 2022 Line of Credit Jul 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`223-103-39`

Property Details

APN / Parcel Number

Primary APN	`223-103-39`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	6,410 sqft Heated Area
Gross Area	7,692 sqft
1st Floor Area	1,914 sqft
Upper Floors Area	2,559 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Architectural Style	Other
Exterior Material	Brick Veneer
Foundation Type	Raised
Lot Area	21,411 sqft (0.491 acres)
Garage Area	1,113 sqft

Exterior Amenities

Pool Area	336 sqft
Porch	Porch
Porch Area	78 sqft
Deck Area	252 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	223-103-39
Street Address	11712 JAMES JACK LN
City	CHARLOTTE
State	NC
Zip	28277-3748
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MX-1
Legal Description	L622 M30-843
Legal Subdivision	BALLANTYNE CC
Legal Lot Number	622
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	3
Census Block	3012
Census Tract	5855

Owner

11712 James Jack Ln is owned and occupied by an individual who bought it in July 2020.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	11712 JAMES JACK LN, CHARLOTTE, NC 28277-3748
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
Dec 13, 2022	Deed of Trust, Mortgage · Line of Credit AMERICAN COMMUNITY BANK
Jul 30, 2020	Warranty Deed, Transfer · Conventional Mortgage FIRST RELIANCE BANK
Oct 8, 2019	Loan Modification, Mortgage · Conventional Mortgage SOUTH ST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 30, 2020 · Amount on File
Deed Sale	Jul 30, 2020 · Amount on File
Prior Sale	Apr 5, 2005 · Amount on File
Deed Document Number	0003487050
Deed Book / Page	34870 / 50
Record Updated	Jun 7, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	11712 JAMES JACK LN, CHARLOTTE, NC 28277-3748
Transaction Type	Mortgage
Record Updated	May 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000163763
Date	Dec 13, 2022
Book Page	37826/487
Instrument	2022163763

Lender

Name	AMERICAN COMMUNITY BANK
Type	Bank
Address	SAINT JOHN, IN 46373

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	119 Months
Due	Nov 14, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Jul 30, 2020
Property Address	11712 JAMES JACK LN, CHARLOTTE, NC 28277-3748
Document Number	0000117369
Book / Page	34870 / 50
Map Reference	MB 30 PG 843
Instrument Date	Jul 30, 2020
Instrument	2020117369
Transaction Type	Transfer
Record Updated	Jun 15, 2021
Title Company	INVESTORS TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,560.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7929 REUNION ROW DR, 7929, CHARLOTTE, NC 28277-5512

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11712 JAMES JACK LN, CHARLOTTE, NC 28277-3748

Mortgage

Document Number	0000117370
Date	Jul 30, 2020
Instrument	2020117370

Lender

Name	FIRST RELIANCE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

October 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MECKLENBURG NC
Property Address	11712 JAMES JACK LN, CHARLOTTE, NC 28277-3748
Document Number	0000138099
Instrument Date	Oct 8, 2019
Transaction Type	Mortgage
Record Updated	Oct 30, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	11712 JAMES JACK LN CHARLOTTE NC 282773748, CHARLOTTE, NC 28277-3748

Mortgage

Document Number	0000138099
Date	Oct 15, 2019
Book Page	033941/000613
Instrument	138099

Lender

Name	SOUTH ST BK
Type	Bank
Address	CHARLESTON, SC 29423-9910

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Oct 14, 2029

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 11712 James Jack Ln in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2024.

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

Wildfire risk around 11712 James Jack Ln is low, with a 0.02% 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	0.02% 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	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 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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