Mecklenburg County property record for 11814 Stephenson Ct, Charlotte, NC 28277
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 4,749 sqft · built 2001 |
| Lot Size | 0.369 acres (16,087 sqft) |
| Owner | Individual Name on File |
| Last Sale | $690,000 (Aug 2018) |
| Tax Bill | $10,932 (2023) |
| Deeds & Mortgages | Aug 2021 Mortgage Aug 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 223-103-91 |
| Primary APN | 223-103-91 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 4,749 sqft Heated Area |
| Gross Area | 7,398 sqft |
| 1st Floor Area | 1,887 sqft |
| Upper Floors Area | 2,172 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Brick Veneer |
| Foundation Type | Raised |
| Roof Material | Wood |
| Lot Area | 16,087 sqft (0.369 acres) |
| Garage Area | 731 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 463 sqft |
| Deck Area | 368 sqft |
| Patio Area | 466 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Old Parcel Number | 223-103-91 |
|---|---|
| Street Address | 11814 STEPHENSON CT |
| City | CHARLOTTE |
| State | NC |
| Zip | 28277-2859 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MX-1 |
| Legal Description | L744 M31-817 |
| Legal Subdivision | BALLANTYNE CC PH 14 MAP 01 |
| Legal Lot Number | 744 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 1, CHARLOTTE |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 5855 |
11814 Stephenson Ct is owned and occupied by an individual who bought it in August 2018.
Source: Mecklenburg County records, as of May 24, 2023
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 11814 STEPHENSON CT, CHARLOTTE, NC 28277-2859 |
| 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.
| Date | Document |
|---|---|
| Aug 31, 2021 | Deed of Trust, Mortgage · VA Mortgage LOW VA RATES LLC |
| Aug 21, 2020 | Deed of Trust, Mortgage · VA Mortgage NATIONAL BANK OF KANSAS CITY |
| May 22, 2019 | Deed of Trust, Mortgage · VA Mortgage NATIONAL BANK OF KANSAS CITY |
| Aug 6, 2018 | Warranty Deed, Transfer · Conventional Mortgage NATIONAL BANK OF KANSAS CITY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 6, 2018 · Amount on File |
| Deed Sale | Aug 6, 2018 · Amount on File |
| Prior Sale | Jun 8, 2012 · Amount on File |
| Deed Document Number | 0032885862 |
| Deed Book / Page | 32885 / 862 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 11814 STEPHENSON CT, CHARLOTTE, NC 28277-2859 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000167722 |
|---|---|
| Date | Aug 31, 2021 |
| Book Page | 36477/497 |
| Instrument | 2021167722 |
| Name | LOW VA RATES LLC |
|---|---|
| Type | Mortgage Company |
| Address | KANSAS CITY, MO 64114 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 11814 STEPHENSON CT, CHARLOTTE, NC 28277-2859 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | SOLIDIFI TITLE & CLOSING LLC |
| Name | Verified Name |
|---|
| Document Number | 0000131917 |
|---|---|
| Date | Aug 21, 2020 |
| Book Page | 34954/518 |
| Instrument | 2020131917 |
| Name | NATIONAL BANK OF KANSAS CITY |
|---|---|
| Type | Bank |
| Address | KANSAS CITY, MO 64114 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 11814 STEPHENSON CT, CHARLOTTE, NC 28277-2859 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | SERVICELINK EAST ESCROW |
| Name | Verified Name |
|---|
| Document Number | 0000062052 |
|---|---|
| Date | May 22, 2019 |
| Book Page | 33527/455 |
| Instrument | 2019062052 |
| Name | NATIONAL BANK OF KANSAS CITY |
|---|---|
| Type | Bank |
| Address | KANSAS CITY, MO 64114 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Aug 6, 2018 |
| Property Address | 11814 STEPHENSON CT, CHARLOTTE, NC 28277-2859 |
| Document Number | 0000099079 |
| Book / Page | 32885 / 862 |
| Map Reference | MB31 PG817 |
| Instrument Date | Aug 3, 2018 |
| Instrument | 2018099079 |
| Transaction Type | Transfer |
| Record Updated | Jun 15, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,380.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 966 PONTE VEDRA BLVD, 966, PONTE VEDRA BEACH, FL 32082-4068 |
| Name | Verified Name |
|---|---|
| Address | 11814 STEPHENSON CT, CHARLOTTE, NC 28277-2859 |
| Document Number | 0000099119 |
|---|---|
| Date | Aug 6, 2018 |
| Instrument | 2018099119 |
| Name | NATIONAL BANK OF KANSAS CITY |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2048 |
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) |
FEMA maps place 11814 Stephenson Ct 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 risk around 11814 Stephenson Ct 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 | None beyond ember reach |
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 304 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Google Fiber Fiber | 8,000 / 8,000 |
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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