Mecklenburg County property record for 12412 Current Dr, Charlotte, NC 28278
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,234 sqft · built 2017 |
| Lot Size | 0.216 acres (9,409 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $354,000 (Sep 2017) |
| Tax Bill | $3,783 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Aug 2022 Mortgage + 7 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 199-162-80 |
| Primary APN | 199-162-80 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,234 sqft Living Area |
| Gross Area | 3,854 sqft |
| 1st Floor Area | 1,514 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Exterior Material | Concrete |
| Construction Type | Frame |
| Roof Material | Other |
| Lot Area | 9,409 sqft (0.216 acres) |
| Garage Type | Attached |
| Garage Area | 620 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 12412 CURRENT DR |
|---|---|
| City | CHARLOTTE |
| State | NC |
| Zip | 28278-6953 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MX-1(INNOV |
| Legal Description | L120 M60-414 THRU 416 |
| Legal Subdivision | CHAPEL COVE |
| Legal Block | 2 |
| Legal Lot Number | 120 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 3, STEELE CREEK |
| Census Block Group | 1 |
| Census Block | 1029 |
| Census Tract | 5908 |
Source: Mecklenburg County records, as of July 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 12412 CURRENT DR, CHARLOTTE, NC 28278-6953 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 16, 2026 | Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CREDIT UNION |
| Aug 24, 2022 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Nov 30, 2022 | Deed of Trust, Mortgage · FHA Mortgage SERVIS ONE INC |
| May 16, 2019 | Deed of Trust, Mortgage · Conventional Mortgage SYNERGY ONE LENDING |
| Nov 14, 2019 | Deed of Trust, Mortgage · Conventional Mortgage SYNERGY ONE LENDING |
| Aug 14, 2019 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Feb 14, 2020 | Deed of Trust, Mortgage · Conventional Mortgage ALLIED MORTGAGE GROUP INC |
| May 21, 2020 | Deed of Trust, Mortgage · FHA Mortgage ALLIED MORTGAGE GROUP INC |
| Sep 26, 2017 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage PULTE MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 26, 2017 · Amount on Record |
| Deed Sale | Sep 26, 2017 · Amount on Record |
| Deed Document Number | 2017130430 |
| Deed Book / Page | 32148 / 524 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Jul 16, 2026 |
| Property Address | 12412 CURRENT DR, CHARLOTTE, NC 28278-6953 |
| Document Number | 0000075992 |
| Book / Page | 40576 / 833 |
| Instrument Date | Jul 8, 2026 |
| Instrument | 202675992 |
| Transaction Type | Transfer |
| Record Updated | Jul 28, 2026 |
| Title Company | FORTIFIED TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $126,250.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12412 CURRENT DR, CHARLOTTE, NC 28278-6953 |
| Document Number | 0000075993, |
|---|---|
| Date | Jul 16, 2026 |
| Instrument | 202675993 |
| Name | STATE EMPLOYEES CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.48% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 12412 CURRENT DR, CHARLOTTE, NC 28278-6953 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2023 |
| Title Company | PETRA TITLE LLC, ENTRA TITLE LLC |
| Name | Verified Name |
|---|---|
| Address | 12412 CURRENT DR, CHARLOTTE, NC 28278-6953 |
| Document Number | 0000121854 |
|---|---|
| Date | Aug 24, 2022 |
| Book Page | 37595/601 |
| Instrument | 2022121854 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 351 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 12412 CURRENT DR, CHARLOTTE, NC 28278-6953 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2023 |
| Title Company | PETRA TITLE LLC, ENTRA TITLE LLC |
| Name | Verified Name |
|---|---|
| Address | 12412 CURRENT DR, CHARLOTTE, NC 28278-6953 |
| Document Number | 0000159047 |
|---|---|
| Date | Nov 30, 2022 |
| Book Page | 37800/420 |
| Instrument | 2022159047 |
| Name | SERVIS ONE INC |
|---|---|
| Type | Mortgage Company |
| Address | IRVING, TX 75038 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 331 Months |
| Due | Jun 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 12412 CURRENT DR, CHARLOTTE, NC 28278-6953 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | RESOURCE RE SVCS LLC |
| Name | Verified Name |
|---|
| Document Number | 0000059423 |
|---|---|
| Date | May 16, 2019 |
| Book Page | 33513/840 |
| Instrument | 2019059423 |
| Name | SYNERGY ONE LENDING |
|---|---|
| Type | Lending Institution |
| Address | LOMBARD, IL 60148 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 1, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 12412 CURRENT DR, CHARLOTTE, NC 28278-6953 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | RESOURCE TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0000155104 |
|---|---|
| Date | Nov 14, 2019 |
| Book Page | 34034/912 |
| Instrument | 2019155104 |
| Name | SYNERGY ONE LENDING |
|---|---|
| Type | Lending Institution |
| Address | LOMBARD, IL 60148 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 12412 CURRENT DR, CHARLOTTE, NC 28278-6953 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TITLE365 |
| Name | Verified Name |
|---|
| Document Number | 0000105370 |
|---|---|
| Date | Aug 14, 2019 |
| Book Page | 33757/787 |
| Instrument | 2019105370 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 12412 CURRENT DR, CHARLOTTE, NC 28278-6953 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000021438 |
|---|---|
| Date | Feb 14, 2020 |
| Book Page | 34284/665 |
| Instrument | 2020021438 |
| Name | ALLIED MORTGAGE GROUP INC |
|---|---|
| Type | Mortgage Company |
| Address | BALA CYNWYD, PA 19004 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 12412 CURRENT DR, CHARLOTTE, NC 28278-6953 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000072796 |
|---|---|
| Date | May 21, 2020 |
| Book Page | 34598/958 |
| Instrument | 2020072796 |
| Name | ALLIED MORTGAGE GROUP INC |
|---|---|
| Type | Mortgage Company |
| Address | BALA CYNWYD, PA 19004 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Sep 26, 2017 |
| Property Address | 12412 CURRENT DR, CHARLOTTE, NC 28278-6953 |
| Document Number | 0000130430 |
| Book / Page | 32148 / 524 |
| Map Reference | MB60 PG414-416 |
| Instrument Date | Sep 26, 2017 |
| Instrument | 2017130430 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jun 15, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $708.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 11121 CARMEL COMMONS BLVD, 11121, CHARLOTTE, NC 28226-4495 |
| Name | Verified Name |
|---|---|
| Address | 12412 CURRENT DR, CHARLOTTE, NC 28278-6953 |
| Document Number | 0000130431 |
|---|---|
| Date | Sep 26, 2017 |
| Instrument | 2017130431 |
| Name | PULTE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2047 |
Source: Mecklenburg County assessment roll, as of September 9, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mecklenburg County |
| Unified School District | Charlotte-Mecklenburg Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,783.00 | $534,800 Land $125,000 Building $409,800 | $534,800 Land $125,000 Building $409,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 5 in force |
| Nearby Flood Claims | 1 (2023) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Aug 2023 · other causes |
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.
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.
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 204 locations within half a mile, as of December 31, 2025
| Provider | Max 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 |
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