Mecklenburg County property record for 12148 James Jack Ln, Charlotte, NC 28277
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4.5 ba · 6,773 sqft · built 2015 |
| Lot Size | 0.592 acres (25,788 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $2,125,000 (Oct 2023) |
| Tax Bill | $12,723 (2025) |
| Deeds & Mortgages | Oct 2023 Sale & Mortgage Aug 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 223-103-16 |
| Primary APN | 223-103-16 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 6,773 sqft Living Area |
| Gross Area | 7,630 sqft |
| 1st Floor Area | 2,522 sqft |
| Upper Floors Area | 2,118 sqft |
| Basement Area | 2,133 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Brick |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Other |
| Lot Area | 25,788 sqft (0.592 acres) |
| Garage Type | Attached |
| Garage Area | 857 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 298 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 12148 JAMES JACK LN |
|---|---|
| City | CHARLOTTE |
| State | NC |
| Zip | 28277-3752 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MX-1 |
| Legal Description | L644 M57-212 |
| Legal Subdivision | FOXCHASE/WINCHESTER |
| Legal Block | 3 |
| Legal Lot Number | 644 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 1, CHARLOTTE |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 5855 |
12148 James Jack Ln is owned and occupied by two individuals who bought it in October 2023.
Source: Mecklenburg County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 12148 JAMES JACK LN, CHARLOTTE, NC 28277-3752 |
| 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.
| Date | Document |
|---|---|
| Oct 6, 2023 | Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Aug 20, 2018 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 6, 2023 · Amount on File |
| Deed Sale | Oct 6, 2023 · Amount on File |
| Prior Sale | Mar 22, 2016 · Amount on File |
| Deed Document Number | 202395865 |
| Deed Book / Page | 38415 / 667 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Oct 6, 2023 |
| Property Address | 12148 JAMES JACK LN, CHARLOTTE, NC 28277-3752 |
| Document Number | 0000095865 |
| Book / Page | 38415 / 667 |
| Map Reference | MB 30 PG 843 |
| Instrument Date | Oct 5, 2023 |
| Instrument | 2023095865 |
| Transaction Type | Transfer |
| Record Updated | Oct 18, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,250.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 14909 JOCKEYS RIDGE DR, CHARLOTTE, NC 28277-3719 |
| Name | Verified Name |
|---|---|
| Address | 12148 JAMES JACK LN, CHARLOTTE, NC 28277-3752 |
| Document Number | 0000095866 |
|---|---|
| Date | Oct 6, 2023 |
| Instrument | 2023095866 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 12148 JAMES JACK LN, CHARLOTTE, NC 28277-3752 |
| Document Number | 0000111655 |
| Instrument Date | Aug 20, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Sep 24, 2018 |
| Title Company | AMERICAN TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 12148 JAMES JACK LN CHARLOTTE NC 282773752, CHARLOTTE, NC 28277-3752 |
| Document Number | 0000111655 |
|---|---|
| Date | Aug 31, 2018 |
| Book Page | 032950/000744 |
| Instrument | 111655 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 30, 2048 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 12148 James Jack Ln was $12,723.
Source: Mecklenburg County assessment roll, as of September 9, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mecklenburg County |
| Municipality | Charlotte City |
| Unified School District | Charlotte-Mecklenburg Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $12,723.00 | $1,636,500 Land $292,500 Building $1,344,000 | $1,636,500 Land $292,500 Building $1,344,000 |
| 2023 | $15,792.00 | $1,636,500 Land $292,500 Building $1,344,000 | $1,636,500 Land $292,500 Building $1,344,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12148 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 risk around 12148 James Jack Ln is low, with a 0.02% 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 | 0.02% annual chance |
| Exposure | None beyond ember reach |
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 | 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 |
| 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.
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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