11822 Stephenson Ct, Charlotte, NC 28277 Property Records

Mecklenburg County property record for 11822 Stephenson Ct, Charlotte, NC 28277

Property Summary

Property Type	Single Family Home
Details	5 bd · 6 ba · 8,169 sqft · built 2003
Lot Size	0.485 acres (21,165 sqft)
Owner	Individual Name on File
Last Sale	$225,000 (Mar 2003)
Tax Bill	$19,024 (2023)
Deeds & Mortgages	Dec 2020 Mortgage Jan 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`223-103-90`

Property Details

APN / Parcel Number

Primary APN	`223-103-90`

Interior

Bedrooms	5 Beds
Full Baths	6 Baths
Stories	2 Stories
Building Area	8,169 sqft Heated Area
Gross Area	10,795 sqft
1st Floor Area	3,636 sqft
Upper Floors Area	2,389 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Architectural Style	Other
Exterior Material	Brick Veneer
Foundation Type	Raised
Lot Area	21,165 sqft (0.485 acres)
Garage Area	864 sqft

Exterior Amenities

Pool Area	640 sqft
Porch	Porch
Porch Area	506 sqft
Deck Area	477 sqft
Patio Area	514 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	223-103-90
Street Address	11822 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	L743 M31-817
Legal Subdivision	BALLANTYNE CC
Legal Lot Number	743
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	3
Census Block	3012
Census Tract	5855

Owner

11822 Stephenson Ct is owned and occupied by an individual who bought it in March 2003.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	11822 STEPHENSON CT, CHARLOTTE, NC 28277-2859
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Jan 23, 2020	Deed of Trust, Mortgage BANK OF AMERICA
Feb 18, 2017	Deed of Trust, Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 3, 2003 · Amount on File
Deed Sale	Mar 3, 2003 · Amount on File
Prior Sale	Aug 15, 2002 · Amount on File
Deed Document Number	0014919418
Deed Book / Page	14919 / 0418
Record Updated	Jun 7, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	11822 STEPHENSON CT, CHARLOTTE, NC 28277-2859
Transaction Type	Mortgage
Record Updated	Aug 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000203981
Date	Dec 3, 2020
Book Page	35388/197
Instrument	2020203981

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.5%
Type Change Date	Dec 1, 2027
Min Rate At Change	2.25%
Max Rate At Change	7.5%
Index	1-Year LIBOR
Max Rate	7.5%

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	11822 STEPHENSON CT, CHARLOTTE, NC 28277-2859
Document Number	0000013144
Instrument Date	Jan 23, 2020
Transaction Type	Mortgage
Record Updated	Feb 25, 2020
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11822 STEPHENSON CT CHARLOTTE NC 282772859, CHARLOTTE, NC 28277-2859

Mortgage

Document Number	0000013144
Date	Jan 29, 2020
Book Page	034240/000362
Instrument	13144

Lender

Name	BANK OF AMERICA
Type	Bank
Address	101 S TRYON ST, CHARLOTTE, NC 28280-0002

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 28, 2050

Interest

Rate Type	Adjustable Rate
Rate	3%

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	11822 STEPHENSON CT, CHARLOTTE, NC 28277-2859
Document Number	0000023306
Instrument Date	Feb 18, 2017
Transaction Type	Mortgage
Record Updated	Aug 16, 2018
Title Company	TITLE RSRC GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	11822 STEPHENSON CT CHARLOTTE NC 282772859, CHARLOTTE, NC 28277-2859

Mortgage

Document Number	0000023306
Date	Feb 23, 2017
Book Page	031586/000610
Instrument	23306

Lender

Name	BANK OF AMERICA
Type	Bank
Address	8800 BAYMEADOWS WAY W, JACKSONVILLE, FL 32256-6844

Agreement

Amount	Amount on Record
Term	360 Months
Due	Feb 22, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.5%

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 11822 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

Wildfire risk around 11822 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	Direct burnable vegetation

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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