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12037 Five Cedars Rd, Charlotte, NC 28226 Property Records

Mecklenburg County property record for 12037 Five Cedars Rd, Charlotte, NC 28226

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,300 sqft · built 1977
Lot Size0.291 acres (12,705 sqft)
OwnerIndividual Name on File
Last Sale$343,000 (Nov 2021)
Tax Bill$3,084 (2023)
Deeds & MortgagesNov 2021 Sale & Mortgage
Jun 2018 Line of Credit
+ 2 more
Flood ZoneZone X (minimal risk)
APN221-243-27

Property Details

APN / Parcel Number

Primary APN221-243-27

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms7 Rooms
Stories2 Stories
Building Area1,300 sqft Heated Area
Gross Area1,652 sqft
1st Floor Area884 sqft
Upper Floors Area416 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1977
Architectural StyleOther
Exterior MaterialAluminum/Vinyl
Foundation TypeRaised
Roof MaterialAsphalt
Lot Area12,705 sqft (0.291 acres)
Garage Area280 sqft

Exterior Amenities

Pool TypeVinyl-Lined Pool
PorchPorch
Porch Area72 sqft
Deck Area80 sqft
Patio Area240 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air
Heating FuelGas

Location & Zoning

Old Parcel Number221-243-27
Street Address12037 FIVE CEDARS RD
CityCHARLOTTE
StateNC
Zip28226-3614
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-12(CD)
Legal DescriptionL96 M18-89
Legal SubdivisionMEADOWBROOK SEC 02
Legal Lot Number96
JurisdictionMECKLENBURG NC
Township / Civil Division1, CHARLOTTE
Census Block Group1
Census Block1004
Census Tract5830

Owner

12037 Five Cedars Rd is owned and occupied by an individual who bought it in November 2021.

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

Owner of RecordIndividual Name on File
Mailing Address12037 FIVE CEDARS RD, CHARLOTTE, NC 28226-3614
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Nov 4, 2021Warranty Deed, Transfer · FHA Mortgage
KELLER MORTGAGE LLC
Jun 11, 2018Deed of Trust, Mortgage · Line of Credit
BANK OF AMERICA NA
Aug 2, 2019Correction Deed, Transfer
OTHER
Jul 26, 2019Warranty Deed, Transfer · Conventional with PMI
BRANCH BK&TR

Assessor's Deed Record

Deed NamesName on Deed
Last SaleNov 4, 2021 · Amount on File
Deed SaleNov 4, 2021 · Amount on File
Prior SaleMar 19, 2020 · Amount on File
Deed Document Number0036728464
Deed Book / Page36728 / 464
Record UpdatedJun 7, 2026

November 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMECKLENBURG NC
Recording DateNov 4, 2021
Property Address12037 FIVE CEDARS RD, CHARLOTTE, NC 28226-3614
Document Number0000211178
Book / Page36728 / 464
Map ReferenceMB 18 PG 89
Instrument DateNov 4, 2021
Instrument2021211178
Transaction TypeTransfer
Record UpdatedMay 25, 2023

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$686.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000211179
DateNov 4, 2021
Instrument2021211179
Lender
NameKELLER MORTGAGE LLC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueDec 1, 2051

June 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMECKLENBURG NC
Property Address12037 FIVE CEDARS RD, CHARLOTTE, NC 28226-3614
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000071607
DateJun 11, 2018
Book Page32744/458
Instrument2018071607
Lender
NameBANK OF AMERICA NA
TypeBank
AddressWILMINGTON, DE 19801
Agreement
TypeLine of Credit
AmountAmount on Record
Term239 Months
DueMay 25, 2038
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

August 2019: Correction Deed, Transfer

Document TypeCorrection Deed
JurisdictionMECKLENBURG NC
Recording DateAug 2, 2019
Property Address12037 FIVE CEDARS RD, CHARLOTTE, NC 28226-3614
Document Number0000099757
Book / Page033728 / 000859
Instrument DateAug 2, 2019
Instrument99757
Transaction TypeTransfer
Record UpdatedAug 23, 2019
Title CompanyOTHER

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address12037 FIVE CEDARS RD CHARLOTTE NC 282263614, CHARLOTTE, NC 28226-3614

July 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMECKLENBURG NC
Recording DateJul 26, 2019
Property Address12037 FIVE CEDARS RD, CHARLOTTE, NC 28226-3614
Document Number0000095521
Book / Page033703 / 000970
Instrument DateJul 26, 2019
Instrument95521
Transaction TypeTransfer
Record UpdatedAug 19, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$472.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address120375 FIVE CEDARS RD CHARLOTTE NC 28226, CHARLOTTE, NC 28226

Mortgage

Document Number95522
DateJul 26, 2019
Book Page033703/000972
Instrument95522
Lender
NameBRANCH BK&TR
TypeBank
AddressWILSON, NC 27893
Agreement
TypeConventional with PMI
AmountAmount on Record
Term360 Months
DueJul 25, 2049

Tax Assessment & Valuation

Source: Mecklenburg County assessment roll, as of January 1, 2023

Property Jurisdictions

TypeName
StateNorth Carolina
CountyMecklenburg County
MunicipalityCharlotte City
Unified School DistrictCharlotte-Mecklenburg Schools (PK - 12)

Flood

FEMA maps place 12037 Five Cedars Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective October 3, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 2 (40% premium discount)
Nearby Flood Policies1 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.

Wildfire

Wildfire risk around 12037 Five Cedars Rd is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood0.04% annual chance
ExposureDirect
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 SystemCHARLOTTE WATER
serves 1,206,285 people · EPA ID NC0160010
Water SourceSurface water
Last State InspectionJul 2025
LeadUnder 1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 285 locations within half a mile, as of December 31, 2025

ProviderMax 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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