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12409 Generations St, Charlotte, NC 28278 Property Records

Mecklenburg County property record for 12409 Generations St, Charlotte, NC 28278

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,678 sqft · built 2012
Lot Size0.193 acres (8,407 sqft)
OwnerCompany Name on Record
Last Sale$222,000 (Jun 2017)
Tax Bill$2,965 (2024)
Deeds & MortgagesSep 2020 Mortgage
Jun 2017 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN219-124-37

Property Details

APN / Parcel Number

Primary APN219-124-37

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,678 sqft Living Area
Gross Area2,140 sqft
1st Floor Area1,678 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2012
Effective Year BuiltEffective 2012
Exterior MaterialAluminum/Vinyl
Construction TypeFrame
Roof MaterialAsphalt
Lot Area8,407 sqft (0.193 acres)
Garage TypeAttached
Garage Area462 sqft
PorchFinished/Open Porch
Porch Area162 sqft
Patio Area192 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Street Address12409 GENERATIONS ST
CityCHARLOTTE
StateNC
Zip28278-8171
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-3
Legal DescriptionL52 M52-45
Legal SubdivisionENCLAVE PH 01 MAP 02
Legal Block4
Legal Lot Number52
JurisdictionMECKLENBURG NC
Township / Civil Division1, CHARLOTTE
Census Block Group1
Census Block1007
Census Tract5925

Owner

Source: Mecklenburg County records, as of September 9, 2025

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

Owner of RecordCompany Name on Record
Mailing Address2031 BROOK VIEW CT, MATTHEWS, NC 28104-7271
Owner TypeCompany
VestingLimited Liability Partnership

Deeds, Mortgages & Sale History

DateDocument
Sep 24, 2020Deed of Trust, Mortgage · Conventional Mortgage
HOME POINT FINANCIAL CORPORATION
Jun 7, 2017Warranty Deed, Transfer · Conventional Mortgage
HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJun 7, 2017 · Amount on Record
Deed SaleJun 7, 2017 · Amount on Record
Prior SaleMay 25, 2012 · Amount on Record
Deed Document Number201775333
Deed Book / Page31862 / 535
Last Transfer DateAug 29, 2025
Transfer Doc0000088512
Record UpdatedSep 20, 2026

September 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMECKLENBURG NC
Property Address12409 GENERATIONS ST, CHARLOTTE, NC 28278-8171
Transaction TypeMortgage
Record UpdatedJan 28, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000155557
DateSep 24, 2020
Book Page35094/613
Instrument2020155557
Lender
NameHOME POINT FINANCIAL CORPORATION
TypeMortgage Company
AddressPARSIPPANY, NJ 07054
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueOct 1, 2050

June 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMECKLENBURG NC
Recording DateJun 7, 2017
Property Address12409 GENERATIONS ST, CHARLOTTE, NC 28278-8171
Document Number0000075333
Book / Page31862 / 535
Map ReferenceMB52 PG45-46
Instrument DateJun 7, 2017
Instrument2017075333
Transaction TypeTransfer
Record UpdatedJun 15, 2021

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$444.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address12409 GENERATIONS ST, 12409, CHARLOTTE, NC 28278-8171

Transferred To (Grantee/Buyer)

NameVerified Name
Address12409 GENERATIONS ST, CHARLOTTE, NC 28278-8171

Mortgage

Document Number0000075334
DateJun 7, 2017
Instrument2017075334
Lender
NameHOME POINT FINANCIAL CORPORATION
TypeGovernment Agency
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJul 1, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$371,400 Land $80,000 Building $291,400$371,400 Land $80,000 Building $291,400
2024$2,965.00

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 2 (40% premium discount)
Nearby Flood Policies4 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 RiskLow
lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood0.02% 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 219 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

May also be available: Comporium.

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