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12414 Overlook Mountain Dr, Charlotte, NC 28216 Property Records

Mecklenburg County property record for 12414 Overlook Mountain Dr, Charlotte, NC 28216

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 2,499 sqft · built 1999
Lot Size0.67 acres (29,197 sqft)
Owner2 Individual Names on File
Last Sale$377,000 (Mar 2017)
Tax Bill$5,523 (2023)
Deeds & MortgagesApr 2017 Line of Credit
Mar 2017 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN023-191-48

Property Details

APN / Parcel Number

Primary APN023-191-48

Interior

Bedrooms3 Beds
Full Baths3 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area2,499 sqft Heated Area
Gross Area3,118 sqft
1st Floor Area2,524 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1999
Architectural StyleOther
Exterior MaterialBrick Veneer
Foundation TypeRaised
Lot Area29,197 sqft (0.67 acres)
Garage Area576 sqft
PorchPorch
Porch Area18 sqft
Deck Area180 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air
Heating FuelGas

Location & Zoning

Old Parcel Number023-191-48
Street Address12414 OVERLOOK MOUNTAIN DR
CityCHARLOTTE
StateNC
Zip28216-6724
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-5
Legal DescriptionL237 M28-451
Legal SubdivisionOVERLOOK/MTN ISLAND LAKE MAP 0
Legal Lot Number237
JurisdictionMECKLENBURG NC
Township / Civil Division1, CHARLOTTE
Census Block Group1
Census Block1002
Census Tract6103

Owner

Source: Mecklenburg County records, as of May 24, 2023

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on File
Mailing Address12414 OVERLOOK MOUNTAIN DR, CHARLOTTE, NC 28216-6724
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Apr 26, 2017Deed of Trust, Mortgage · Line of Credit
BANK OF NC
Mar 2, 2017Warranty Deed, Transfer · Conventional Mortgage
USAA

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 2, 2017 · Amount on File
Deed SaleMar 2, 2017 · Amount on File
Prior SaleMay 12, 1998 · Amount on File
Deed Document Number0031608179
Deed Book / Page31608 / 179
Record UpdatedJun 7, 2026

April 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMECKLENBURG NC
Property Address12414 OVERLOOK MOUNTAIN DR, CHARLOTTE, NC 28216-6724
Document Number0000054958
Book / Page031754 / 000447
Instrument DateApr 26, 2017
Transaction TypeMortgage
Record UpdatedMay 4, 2017

Transferred To (Grantee/Buyer)

NameVerified Name
Address12414 OVERLOOK MOUNTAIN DR CHARLOTTE NC 282166724, CHARLOTTE, NC 28216-6724

Mortgage

Document Number0000054958
DateApr 27, 2017
Book Page031754/000447
Instrument54958
Lender
NameBANK OF NC
TypeBank
AddressTHOMASVILLE, NC 27361-1148
Agreement
TypeLine of Credit
AmountAmount on Record
Interest
Rate TypeAdjustable Rate

March 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMECKLENBURG NC
Recording DateMar 2, 2017
Property Address12414 OVERLOOK MOUNTAIN DR, CHARLOTTE, NC 28216-6724
Document Number0000027156
Book / Page031608 / 000179
Instrument DateFeb 27, 2017
Instrument27156
Transaction TypeTransfer
Record UpdatedMar 9, 2017
Title CompanyPREFERRED CAROLINAS TITLE

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$754.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipMarried Couple
Address12414 OVERLOOK MOUNTAIN DR CHARLOTTE NC 282166724, CHARLOTTE, NC 28216-6724

Mortgage

Document Number27157
DateMar 2, 2017
Book Page031608/000181
Instrument27157
Lender
NameUSAA
AddressSAN ANTONIO, TX 78288-0544
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term180 Months
DueMar 1, 2032

Tax Assessment & Valuation

Source: Mecklenburg County assessment roll, as of January 1, 2023

Property Jurisdictions

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

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
Flood Insurance CostPremium on File
median of 16 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies16 in force
Nearby Flood Claims23 (1989–2024)
Claims Outside the SFHA1 of 23
Most Recent ClaimOct 2024 · Tropical Storm Helene
Claims by Event
  • Tropical Storm Helene, Oct 2024 · 10 claims
  • Tropical Storm Frances, Sep 2004 · 2 claims

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 Likelihood0.03% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 164 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

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