Mecklenburg County property record for 12428 Current Dr, Charlotte, NC 28278
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,860 sqft · built 2017 |
| Lot Size | 0.241 acres (10,509 sqft) |
| Owner | Individual Name on File |
| Last Sale | $327,500 (Nov 2017) |
| Tax Bill | $3,113 (2023) |
| Deeds & Mortgages | Jul 2021 Mortgage Nov 2017 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 199-162-77 |
| Primary APN | 199-162-77 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,860 sqft Heated Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2017 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 10,509 sqft (0.241 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Old Parcel Number | 199-162-77 |
|---|---|
| Street Address | 12428 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 | L117 M60-414 THRU 416 |
| Legal Subdivision | CHAPEL COVE SUB PH 4B MAP 1 |
| Legal Lot Number | 117 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 3, STEELE CREEK |
| Census Block Group | 1 |
| Census Block | 1029 |
| Census Tract | 5908 |
12428 Current Dr is owned and occupied by an individual who bought it in November 2017.
Source: Mecklenburg County records, as of May 24, 2023
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 12428 CURRENT DR, CHARLOTTE, NC 28278-6953 |
| 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 |
|---|---|
| Jul 23, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Nov 13, 2017 | Special Warranty Deed, Subdivision Related Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 13, 2017 · Amount on File |
| Deed Sale | Nov 13, 2017 · Amount on File |
| Deed Document Number | 0032266427 |
| Deed Book / Page | 32266 / 427 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 12428 CURRENT DR, CHARLOTTE, NC 28278-6953 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000142733 |
|---|---|
| Date | Jul 23, 2021 |
| Book Page | 36332/351 |
| Instrument | 2021142733 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Nov 13, 2017 |
| Property Address | 12428 CURRENT DR, CHARLOTTE, NC 28278-6953 |
| Document Number | 0000153200 |
| Book / Page | 32266 / 427 |
| Map Reference | MB60 PG414-416 |
| Instrument Date | Nov 9, 2017 |
| Instrument | 2017153200 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jun 15, 2021 |
| Amount | Amount on Record |
|---|---|
| Tax | $655.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 11121 CARMEL COMMONS BLVD, 11121, CHARLOTTE, NC 28226-4495 |
| Name | Verified Name |
|---|---|
| Address | 12428 CURRENT DR, CHARLOTTE, NC 28278-6953 |
Source: Mecklenburg County assessment roll, as of January 1, 2023
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mecklenburg County |
| Unified School District | Charlotte-Mecklenburg Schools (PK - 12) |
FEMA maps place 12428 Current Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2023.
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.
Wildfire risk around 12428 Current Dr 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 | 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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