Mecklenburg County property record for 12304 Bending Branch Rd, Charlotte, NC 28227
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,668 sqft · built 2013 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $330,000 (Jan 2026) |
| Tax Bill | $2,710 (2025) |
| Deeds & Mortgages | Mar 2025 Mortgage Jan 2026 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 111-107-56 |
| Primary APN | 111-107-56 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,668 sqft Living Area |
| Gross Area | 2,068 sqft |
| 1st Floor Area | 634 sqft |
| Upper Floors Area | 1,034 sqft |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2013 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Asphalt |
| Lot Area | 8,712 sqft (0.2 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 54 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 12304 BENDING BRANCH RD |
|---|---|
| City | CHARLOTTE |
| State | NC |
| Zip | 28227-3660 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3 |
| Legal Description | L66 M54-74 |
| Legal Subdivision | WOODBURY SUB MAP 11 |
| Legal Block | 7 |
| Legal Lot Number | 66 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 1, CHARLOTTE |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 5627 |
12304 Bending Branch Rd is owned and occupied by two individuals who bought it in January 2026.
Source: Mecklenburg County records, as of October 19, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 12304 BENDING BRANCH RD, CHARLOTTE, NC 28227-3660 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
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 |
|---|---|
| Mar 25, 2025 | Deed of Trust, Mortgage · FHA Mortgage US BANK NA |
| Jan 23, 2026 | Warranty Deed, Transfer · VA Mortgage NAVY FCU |
| Apr 22, 2019 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 23, 2026 · Amount on File |
| Deed Sale | Jan 23, 2026 · Amount on File |
| Prior Sale | Nov 7, 2013 · Amount on File |
| Deed Document Number | 20267020 |
| Deed Book / Page | 40154 / 162 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 12304 BENDING BRANCH RD, CHARLOTTE, NC 28227-3660 |
| Transaction Type | Mortgage |
| Record Updated | Feb 3, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 12304 BENDING BRANCH RD, CHARLOTTE, NC 28227-3660 |
| Document Number | 0000026925 |
|---|---|
| Date | Mar 25, 2025 |
| Book Page | 39459/671 |
| Instrument | 2025026925 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 225 Months |
| Due | Dec 1, 2043 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Jan 23, 2026 |
| Property Address | 12304 BENDING BRANCH RD, CHARLOTTE, NC 28227-3660 |
| Document Number | 0000007020 |
| Book / Page | 40154 / 162 |
| Map Reference | MB 54 PG 74 |
| Instrument Date | Jan 20, 2026 |
| Instrument | 2026007020 |
| Transaction Type | Transfer |
| Record Updated | Feb 3, 2026 |
| Title Company | TRIBECA TITLE, TRI BECKER TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $660.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10422 SNOWBELL CT, CHARLOTTE, NC 28215-7751 |
| Name | Verified Name |
|---|---|
| Address | 12304 BENDING BRANCH RD, CHARLOTTE, NC 28227-3660 |
| Document Number | 0000007021 |
|---|---|
| Date | Jan 23, 2026 |
| Instrument | 2026007021 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 12304 BENDING BRANCH RD, CHARLOTTE, NC 28227-3660 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000046195 |
|---|---|
| Date | Apr 22, 2019 |
| Book Page | 33441/358 |
| Instrument | 2019046195 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | CHARLOTTE, NC 28227 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 12304 Bending Branch Rd was $2,710, up 8.2% from the year before.
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 | $2,710.00 (+8.23%) | $330,700 Land $95,000 Building $235,700 | $330,700 Land $95,000 Building $235,700 |
| 2024 | $2,504.00 | ||
| 2023 | $330,700 Land $95,000 Building $235,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12304 Bending Branch Rd in Zone X, an area of minimal flood risk.
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 5 (25% 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.
Wildfire risk around 12304 Bending Branch Rd 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 67% of the US · above 43% 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 | 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 307 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 1,000 / 1,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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