Mecklenburg County property record for 12009 Five Cedars Rd, Charlotte, NC 28226
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,196 sqft · built 1977 |
| Lot Size | 0.247 acres (10,789 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $196,000 (Aug 2018) |
| Tax Bill | $2,848 (2023) |
| Deeds & Mortgages | Aug 2021 Mortgage Aug 2021 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 221-243-24 |
| Primary APN | 221-243-24 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,196 sqft Heated Area |
| Gross Area | 1,508 sqft |
| 1st Floor Area | 780 sqft |
| Upper Floors Area | 416 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Composition/Composite |
| Foundation Type | Raised |
| Roof Material | Asphalt |
| Lot Area | 10,789 sqft (0.247 acres) |
| Garage Area | 312 sqft |
| Deck Area | 160 sqft |
| Patio Area | 176 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Old Parcel Number | 221-243-24 |
|---|---|
| Street Address | 12009 FIVE CEDARS RD |
| City | CHARLOTTE |
| State | NC |
| Zip | 28226-3614 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-12(CD) |
| Legal Description | L93 M18-89 |
| Legal Subdivision | MEADOWBROOK SEC 02 |
| Legal Lot Number | 93 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 1, CHARLOTTE |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 5830 |
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 |
|---|---|
| Mailing Address | 12009 FIVE CEDARS RD, CHARLOTTE, NC 28226-3614 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 19, 2021 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Aug 24, 2021 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Dec 23, 2019 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Aug 6, 2018 | Warranty Deed, Transfer · Conventional Mortgage PRIMARY RESIDENTIAL MORTGAGE INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 6, 2018 · Amount on Record |
| Deed Sale | Aug 6, 2018 · Amount on Record |
| Prior Sale | Jun 14, 2016 · Amount on Record |
| Deed Document Number | 0003288440 |
| Deed Book / Page | 32884 / 40 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 12009 FIVE CEDARS RD, CHARLOTTE, NC 28226-3614 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000159684 |
|---|---|
| Date | Aug 19, 2021 |
| Book Page | 36428/307 |
| Instrument | 2021159684 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.75% |
| Type Change Date | Sep 1, 2026 |
| Change Frequency | 5 Years |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 4.75% |
| Index | 5-Year CMT |
| Max Rate | 8.75% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 12009 FIVE CEDARS RD, CHARLOTTE, NC 28226-3614 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2023 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|
| Document Number | 0000162254 |
|---|---|
| Date | Aug 24, 2021 |
| Book Page | 36443/894 |
| Instrument | 2021162254 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | CHARLOTTE, NC 28277 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 12009 FIVE CEDARS RD, CHARLOTTE, NC 28226-3614 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | ACCURATE TITLE GROUP LLC |
| Name | Verified Name |
|---|
| Document Number | 0000176189 |
|---|---|
| Date | Dec 23, 2019 |
| Book Page | 34155/017 |
| Instrument | 2019176189 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.37% |
| Change Frequency | 5 Years |
| Index | 5-Year CMT |
| Margin | 2 |
| Max Rate | 6% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Aug 6, 2018 |
| Property Address | 12009 FIVE CEDARS RD, CHARLOTTE, NC 28226-3614 |
| Document Number | 0000098742 |
| Book / Page | 32884 / 040 |
| Map Reference | MB18 PG89 |
| Instrument Date | Aug 6, 2018 |
| Instrument | 2018098742 |
| Transaction Type | Transfer |
| Record Updated | Jun 15, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $392.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5619 IVYGATE LN, 5619, CHARLOTTE, NC 28226-8196 |
| Name | Verified Name |
|---|---|
| Address | 12009 FIVE CEDARS RD, CHARLOTTE, NC 28226-3614 |
| Document Number | 0000098743 |
|---|---|
| Date | Aug 6, 2018 |
| Instrument | 2018098743 |
| Name | PRIMARY RESIDENTIAL MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| 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) |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 2 (40% premium discount) |
| Nearby Flood Policies | 1 in force |
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 | 0.04% 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 | CHARLOTTE WATER serves 1,206,285 people · EPA ID NC0160010 |
|---|---|
| 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, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 285 locations within half a mile, as of December 31, 2025
| 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 |
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