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12515 Generations St, Charlotte, NC 28278 Property Records

Mecklenburg County property record for 12515 Generations St, Charlotte, NC 28278

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 2,832 sqft · built 2015
Lot Size0.185 acres (8,059 sqft)
Owner2 Individual Names on File
Last Sale$860,500 (Mar 2010)
Tax Bill$3,784 (2025)
Deeds & MortgagesApr 2022 Mortgage
Oct 2017 Mortgage
Flood ZoneZone X (minimal risk)
APN219-124-43

Property Details

APN / Parcel Number

Primary APN219-124-43

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,832 sqft Living Area
Gross Area3,274 sqft
1st Floor Area1,486 sqft
Upper Floors Area1,346 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2015
Effective Year BuiltEffective 2015
Exterior MaterialAluminum/Vinyl
Construction TypeFrame
Roof MaterialAsphalt
Lot Area8,059 sqft (0.185 acres)
Garage TypeAttached
Garage Area442 sqft
PorchSlab
Porch Area96 sqft
Patio Area120 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Street Address12515 GENERATIONS ST
CityCHARLOTTE
StateNC
Zip28278-8172
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-3
Legal DescriptionL46 M52-45
Legal SubdivisionENCLAVE PH 01 MAP 02
Legal Block4
Legal Lot Number46
JurisdictionMECKLENBURG NC
Township / Civil Division1, CHARLOTTE
Census Block Group1
Census Block1007
Census Tract5925

Owner

12515 Generations St is owned and occupied by two individuals who bought it in March 2010.

Source: Mecklenburg County records, as of July 20, 2026

Owner of Record2 Individual Names on File
Mailing Address12515 GENERATIONS ST, CHARLOTTE, NC 28278-8172
OccupancyOwner Occupied
Owner TypeIndividual

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

Deeds, Mortgages & Sale History

DateDocument
Apr 27, 2022Deed of Trust, Mortgage · Conventional Mortgage
RELIANCE FIRST CAPITAL LLC
Oct 24, 2017Deed of Trust, Mortgage · VA Mortgage
FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 31, 2010 · Amount on File
Deed SaleMar 31, 2010 · Amount on File
Deed Document Number201036054
Deed Book / Page25517 / 516
Record UpdatedSep 20, 2026

April 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMECKLENBURG NC
Property Address12515 GENERATIONS ST, CHARLOTTE, NC 28278-8172
Transaction TypeMortgage
Record UpdatedMay 25, 2023
Title CompanySERVICELINK EAST ESCROW

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000064064
DateApr 27, 2022
Book Page37285/850
Instrument2022064064
Lender
NameRELIANCE FIRST CAPITAL LLC
TypeMortgage Company
AddressMELVILLE, NY 11747
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueMay 1, 2052

October 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMECKLENBURG NC
Property Address12515 GENERATIONS ST, CHARLOTTE, NC 28278-8172
Transaction TypeMortgage
Record UpdatedAug 23, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000143675
DateOct 24, 2017
Book Page32217/835
Instrument2017143675
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressMOUNT LAUREL, NJ 08054
Agreement
TypeVA Mortgage
AmountAmount on Record
Term361 Months
DueNov 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 12515 Generations St was $3,784.

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$3,784.00$470,700 Land $80,000 Building $390,700$470,700 Land $80,000 Building $390,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 12515 Generations St 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 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

Wildfire risk around 12515 Generations St is low, with a 0.03% annual chance of 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
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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