1209 Lost Oak Rd, Charlotte, NC 28270 Property Records

Mecklenburg County property record for 1209 Lost Oak Rd, Charlotte, NC 28270

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 4,979 sqft · built 2007
Lot Size	0.289 acres (12,589 sqft)
Owner	2 Individual Names on Record
Last Sale	$745,000 (Oct 2018)
Tax Bill	$7,068 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Oct 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`213-041-58`

Property Details

APN / Parcel Number

Primary APN	`213-041-58`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,979 sqft Living Area
Gross Area	5,830 sqft
1st Floor Area	1,960 sqft
Upper Floors Area	2,525 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Brick
Construction Type	Frame
Foundation Type	No Foundation
Roof Material	Other
Lot Area	12,589 sqft (0.289 acres)
Garage Type	Attached
Garage Area	851 sqft
Patio Area	416 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1209 LOST OAK RD
City	CHARLOTTE
State	NC
Zip	28270-1056
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	L24 M44-614
Legal Subdivision	LOST TREE
Legal Block	1
Legal Lot Number	24
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	2
Census Block	2001
Census Tract	3016

Owner

Source: Mecklenburg County records, as of August 10, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1209 LOST OAK RD, CHARLOTTE, NC 28270-1056
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 24, 2026	Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK
Oct 6, 2021	Deed of Trust, Mortgage · Line of Credit SOUTH STATE BANK NA
Oct 1, 2018	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
May 8, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 1, 2018 · Amount on Record
Deed Sale	Oct 1, 2018 · Amount on Record
Prior Sale	Sep 2, 2008 · Amount on Record
Deed Document Number	2018124116
Deed Book / Page	33015 / 646
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Recording Date	Jul 24, 2026
Property Address	1209 LOST OAK RD, CHARLOTTE, NC 28270-1056
Document Number	0000079287
Book / Page	40596 / 437
Instrument Date	Jul 23, 2026
Instrument	202679287
Transaction Type	Mortgage
Record Updated	Aug 10, 2026
Title Company	SOLIDIFI TITLE, SOLIDIFI

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1209 LOST OAK RD, CHARLOTTE, NC 28270-1056

Mortgage

Document Number	0000079287,
Date	Jul 24, 2026
Book Page	40596/437
Instrument	202679287

Lender

Name	JPMORGAN CHASE BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.49%
Max Rate	-1%

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	1209 LOST OAK RD, CHARLOTTE, NC 28270-1056
Transaction Type	Mortgage
Record Updated	May 25, 2023
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1209 LOST OAK RD, CHARLOTTE, NC 28270-1056

Mortgage

Document Number	0000191159
Date	Oct 6, 2021
Book Page	36613/583
Instrument	2021191159

Lender

Name	SOUTH STATE BANK NA
Type	Bank
Address	WINTER HAVEN, FL 33880

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Sep 20, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Oct 1, 2018
Property Address	1209 LOST OAK RD, CHARLOTTE, NC 28270-1056
Document Number	0000124116
Book / Page	33015 / 646
Map Reference	MB44 PG614
Instrument Date	Oct 1, 2018
Instrument	2018124116
Transaction Type	Transfer
Record Updated	Jun 15, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,490.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3122 SHARON VIEW RD, 3122, CHARLOTTE, NC 28210-3308

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1209 LOST OAK RD, CHARLOTTE, NC 28270-1056

Mortgage

Document Number	0000124117
Date	Oct 1, 2018
Instrument	2018124117

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	1209 LOST OAK RD, CHARLOTTE, NC 28270-1056
Document Number	0000065421
Instrument Date	May 8, 2017
Transaction Type	Mortgage
Record Updated	Aug 20, 2018
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1209 LOST OAK RD CHARLOTTE NC 282701056, CHARLOTTE, NC 28270-1056

Mortgage

Document Number	0000065421
Date	May 18, 2017
Book Page	031809/000359
Instrument	65421

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 17, 2047

Interest

Rate Type	Adjustable Rate

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	$7,068.00	$899,000 Land $200,000 Building $699,000	$899,000 Land $200,000 Building $699,000

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

Flood

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	4 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

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	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 186 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Google Fiber Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Windstream DSL	300 / 20

May also be available: T-Mobile.

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