12014 James Jack Ln, Charlotte, NC 28277 Property Records

Mecklenburg County property record for 12014 James Jack Ln, Charlotte, NC 28277

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 6,291 sqft · built 2000
Lot Size	0.42 acres (18,295 sqft)
Owner	2 Individual Names on File
Last Sale	$2,200,000 (May 2025)
Tax Bill	$12,268 (2024)
Deeds & Mortgages	Oct 2021 Mortgage Jun 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`223-103-24`

Property Details

APN / Parcel Number

Primary APN	`223-103-24`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	6,291 sqft Living Area
Gross Area	7,116 sqft
1st Floor Area	2,370 sqft
Upper Floors Area	2,298 sqft
Basement Area	2,270 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2005
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Raised
Roof Type	Hip
Roof Material	Other
Lot Area	18,295 sqft (0.42 acres)
View / Lot	Golf Course
Garage Type	Attached
Garage Area	825 sqft

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	1,110 sqft
Deck Area	672 sqft
Patio Area	672 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	12014 JAMES JACK LN
City	CHARLOTTE
State	NC
Zip	28277-3751
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MX-1
Legal Description	L636 M30-843
Legal Subdivision	BALLANTYNE CC
Legal Block	3
Legal Lot Number	636
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	3
Census Block	3012
Census Tract	5855

Owner

12014 James Jack Ln is owned and occupied by two individuals who bought it in May 2025.

Source: Mecklenburg County records, as of March 24, 2026

Owner of Record	2 Individual Names on File
Mailing Address	12014 JAMES JACK LN, CHARLOTTE, NC 28277-3751
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
Oct 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA
Jun 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA
Aug 6, 2019	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Oct 29, 2018	Warranty Deed, Transfer · ARM PNC BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 5, 2025 · Amount on File
Deed Sale	May 5, 2025 · Amount on File
Prior Sale	Oct 29, 2018 · Amount on File
Deed Document Number	202543209
Deed Book / Page	39562 / 45
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	12014 JAMES JACK LN, CHARLOTTE, NC 28277-3751
Transaction Type	Mortgage
Record Updated	May 25, 2023
Title Company	NATIONALLINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000204681
Date	Oct 27, 2021
Book Page	36690/209
Instrument	2021204681

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2036

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	12014 JAMES JACK LN, CHARLOTTE, NC 28277-3751
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NATIONALLINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000082967
Date	Jun 8, 2020
Book Page	34663/98
Instrument	2020082967

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	Jul 1, 2027
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	8%
Index	1-Year LIBOR
Max Rate	8%

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	12014 JAMES JACK LN, CHARLOTTE, NC 28277-3751
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000100672
Date	Aug 6, 2019
Book Page	33733/970
Instrument	2019100672

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Oct 29, 2018
Property Address	12014 JAMES JACK LN, CHARLOTTE, NC 28277-3751
Document Number	0000135887
Book / Page	33074 / 894
Map Reference	MB30 PG843
Instrument Date	Oct 29, 2018
Instrument	2018135887
Transaction Type	Transfer
Record Updated	Jun 15, 2021
Title Company	SOUTHLAKE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,192.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4501 LONGWOOD DR, 4501, CHARLOTTE, NC 28209-3022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	00000

Mortgage

Document Number	0000135888
Date	Oct 29, 2018
Instrument	2018135888

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Type Change Date	Nov 1, 2023
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	8.62%
Index	1-Year LIBOR
Max Rate	8.62%

Tax Assessment & Valuation

Source: Mecklenburg County assessment roll, as of September 9, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Mecklenburg County
Municipality	Charlotte City
Unified School District	Charlotte-Mecklenburg Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$1,600,000 Land $391,500 Building $1,208,500	$1,600,000 Land $391,500 Building $1,208,500
2024	$12,268.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 12014 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 12014 James Jack Ln 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.

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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