12603 Congregation Dr, Charlotte, NC 28278 Property Records

Mecklenburg County property record for 12603 Congregation Dr, Charlotte, NC 28278

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,757 sqft · built 2013
Lot Size	0.209 acres (9,107 sqft)
Owner	Individual Name on File
Last Sale	$251,000 (Nov 2013)
Tax Bill	$4,409 (2023)
Deeds & Mortgages	Sep 2020 Mortgage Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`219-124-54`

Property Details

APN / Parcel Number

Primary APN	`219-124-54`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,757 sqft Heated Area
Gross Area	3,392 sqft
1st Floor Area	1,236 sqft
Upper Floors Area	1,521 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Lot Area	9,107 sqft (0.209 acres)
Garage Area	472 sqft
Porch	Porch
Porch Area	163 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	219-124-54
Street Address	12603 CONGREGATION DR
City	CHARLOTTE
State	NC
Zip	28278-8164
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	L35 M52-45
Legal Subdivision	ENCLAVE PH 01 MAP 02
Legal Lot Number	35
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	1
Census Block	1007
Census Tract	5925

Owner

12603 Congregation Dr is owned and occupied by an individual who bought it in November 2013.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	12603 CONGREGATION DR, CHARLOTTE, NC 28278-8164
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2020	Deed of Trust, Mortgage · FHA Mortgage CALIBER HOME LOANS INC
Oct 25, 2019	Deed of Trust, Mortgage · VA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 1, 2013 · Amount on File
Deed Sale	Nov 1, 2013 · Amount on File
Prior Sale	Dec 23, 2009 · Amount on File
Deed Document Number	0028807678
Deed Book / Page	28807 / 678
Record Updated	Jun 7, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	12603 CONGREGATION DR, CHARLOTTE, NC 28278-8164
Transaction Type	Mortgage
Record Updated	Aug 23, 2022
Title Company	FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000155685
Date	Sep 24, 2020
Book Page	35095/64
Instrument	2020155685

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	12603 CONGREGATION DR, CHARLOTTE, NC 28278-8164
Document Number	0000148280
Instrument Date	Oct 25, 2019
Transaction Type	Mortgage
Record Updated	Nov 26, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12603 CONGREGATION DR CHARLOTTE NC 282788164, CHARLOTTE, NC 28278-8164

Mortgage

Document Number	0000148280
Date	Oct 31, 2019
Book Page	033999/000248
Instrument	148280

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 30, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	North Carolina
County	Mecklenburg County
Municipality	Charlotte City
Unified School District	Charlotte-Mecklenburg Schools (PK - 12)

Flood

FEMA maps place 12603 Congregation Dr 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 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	4 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 12603 Congregation 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	Direct 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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 219 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

May also be available: Comporium.

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