12604 Congregation Dr, Charlotte, NC 28278 Property Records

Mecklenburg County property record for 12604 Congregation Dr, Charlotte, NC 28278

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,746 sqft · built 2013
Lot Size	0.189 acres (8,233 sqft)
Owner	2 Individual Names on Record
Last Sale	$495,000 (Aug 2026)
Tax Bill	$3,667 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Jun 2025 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`219-122-10`

Property Details

APN / Parcel Number

Primary APN	`219-122-10`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,746 sqft Living Area
Gross Area	3,146 sqft
1st Floor Area	1,211 sqft
Upper Floors Area	1,535 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Asphalt
Lot Area	8,233 sqft (0.189 acres)
Garage Type	Attached
Garage Area	400 sqft
Porch	Finished/Open Porch
Porch Area	157 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	12604 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	L26 M52-45
Legal Subdivision	ENCLAVE PH 01 MAP 02
Legal Block	2
Legal Lot Number	26
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	1
Census Block	1007
Census Tract	5925

Owner

Source: Mecklenburg County records, as of September 22, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	12604 CONGREGATION DR, CHARLOTTE, NC 28278-8164
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2026	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE COMPANY
Jun 11, 2025	Warranty Deed, Transfer · Conventional Mortgage NAVY FCU
Mar 15, 2024	Deed of Trust, Mortgage · Line of Credit TRULIANT FCU
Sep 2, 2021	Deed of Trust, Mortgage · Line of Credit TRULIANT FCU
Jul 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage TRIUMPH MORTGAGE
Oct 31, 2018	Warranty Deed, Transfer · Conventional Mortgage TRIUMPH MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2026 · Amount on Record
Deed Sale	Aug 31, 2026 · Amount on Record
Prior Sale	Jun 11, 2025 · Amount on Record
Deed Document Number	202694254
Deed Book / Page	40687 / 446
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Aug 31, 2026
Property Address	12604 CONGREGATION DR, CHARLOTTE, NC 28278-8164
Document Number	0000094254
Book / Page	40687 / 446
Instrument Date	Aug 28, 2026
Instrument	202694254
Transaction Type	Transfer
Record Updated	Sep 22, 2026
Title Company	TRYON TITLE AGENCY LLC, TRYON TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$99,990.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12604 CONGREGATION DR, CHARLOTTE, NC 28278-8164

Mortgage

Document Number	0000094255,
Date	Aug 31, 2026
Instrument	202694255

Lender

Name	GUILD MORTGAGE COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

June 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Jun 11, 2025
Property Address	12604 CONGREGATION DR, CHARLOTTE, NC 28278-8164
Document Number	0000057703
Book / Page	39647 / 462
Map Reference	MB 52 PG 45-46
Instrument Date	Jun 9, 2025
Instrument	2025057703
Transaction Type	Transfer
Record Updated	May 22, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$974.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1530 UNION RD, MATTHEWS, NC 28104-3277

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	12604 CONGREGATION DR, CHARLOTTE, NC 28278-8164

Mortgage

Document Number	0000057704
Date	Jun 11, 2025
Instrument	2025057704

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2055

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	12604 CONGREGATION DR, CHARLOTTE, NC 28278-8164
Transaction Type	Mortgage
Record Updated	Apr 2, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000023171
Date	Mar 15, 2024
Book Page	38692/177
Instrument	2024023171

Lender

Name	TRULIANT FCU
Type	Credit Union
Address	3200 TRULIANT WAY, WINSTON SALEM, NC 27103

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 12, 2054

Interest

Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	12604 CONGREGATION DR, CHARLOTTE, NC 28278-8164
Transaction Type	Mortgage
Record Updated	May 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000169857
Date	Sep 2, 2021
Book Page	36490/448
Instrument	2021169857

Lender

Name	TRULIANT FCU
Type	Credit Union
Address	WINSTON SALEM, NC 27103

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 24, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	12604 CONGREGATION DR, CHARLOTTE, NC 28278-8164
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SOLIDIFI TITLE & CLOSING LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000093061
Date	Jul 23, 2019
Book Page	33690/480
Instrument	2019093061

Lender

Name	TRIUMPH MORTGAGE
Type	Mortgage Company
Address	COLLIERVILLE, TN 38017

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Oct 31, 2018
Property Address	12604 CONGREGATION DR, CHARLOTTE, NC 28278-8164
Document Number	0000136721
Book / Page	33079 / 374
Map Reference	MB52 PG45-46
Instrument Date	Oct 30, 2018
Instrument	2018136721
Transaction Type	Transfer
Record Updated	Jun 15, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$594.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8905 RACHEL FREEMAN WAY APT 3416, 8905, CHARLOTTE, NC 28278-9552

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12604 CONGREGATION DR, CHARLOTTE, NC 28278-8164

Mortgage

Document Number	0000136722
Date	Oct 31, 2018
Book Page	33079/377
Instrument	2018136722

Lender

Name	TRIUMPH MORTGAGE
Type	Mortgage Company
Address	COLLIERVILLE, TN 38017

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

Tax Assessment & Valuation

Source: Mecklenburg County assessment roll, as of September 9, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,667.00	$455,500 Land $80,000 Building $375,500	$455,500 Land $80,000 Building $375,500

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

Flood

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

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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