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12608 Congregation Dr, Charlotte, NC 28278 Property Records

Mecklenburg County property record for 12608 Congregation Dr, Charlotte, NC 28278

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 2,141 sqft · built 2013
Lot Size0.186 acres (8,122 sqft)
OwnerIndividual Name on Record
Last Sale$234,000 (Apr 2014)
Tax Bill$3,897 (2023)
Deeds & MortgagesApr 2021 Mortgage
Apr 2021 Mortgage
Flood ZoneZone X (minimal risk)
APN219-122-09

Property Details

APN / Parcel Number

Primary APN219-122-09

Interior

Bedrooms3 Beds
Full Baths3 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,141 sqft Heated Area
Gross Area2,717 sqft
1st Floor Area1,005 sqft
Upper Floors Area1,136 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2013
Exterior MaterialAluminum/Vinyl
Foundation TypeSlab (Mat/Raft)
Lot Area8,122 sqft (0.186 acres)
Garage Area441 sqft
PorchPorch
Porch Area135 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air
Heating FuelGas

Location & Zoning

Old Parcel Number219-122-09
Street Address12608 CONGREGATION DR
CityCHARLOTTE
StateNC
Zip28278-8164
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-3
Legal DescriptionL27 M52-45
Legal SubdivisionENCLAVE PH 01 MAP 02
Legal Lot Number27
JurisdictionMECKLENBURG NC
Township / Civil Division1, CHARLOTTE
Census Block Group1
Census Block1007
Census Tract5925

Owner

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

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

Owner of RecordIndividual Name on Record
Mailing Address12608 CONGREGATION DR, CHARLOTTE, NC 28278-8164
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Apr 22, 2021Deed of Trust, Mortgage · Conventional Mortgage
MILLENNIAL HOME LENDING INC
Apr 13, 2021Deed of Trust, Mortgage · Conventional Mortgage
MILLENNIAL HOME LENDING INC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleApr 11, 2014 · Amount on Record
Deed SaleApr 11, 2014 · Amount on Record
Prior SaleDec 23, 2009 · Amount on Record
Deed Document Number0029108390
Deed Book / Page29108 / 390
Record UpdatedJun 7, 2026

April 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMECKLENBURG NC
Property Address12608 CONGREGATION DR, CHARLOTTE, NC 28278-8164
Transaction TypeMortgage
Record UpdatedMay 25, 2023
Title CompanySERVICELINK EAST ESCROW

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000079475
DateApr 22, 2021
Book Page35970/335
Instrument2021079475
Lender
NameMILLENNIAL HOME LENDING INC
TypeMortgage Company
AddressCHATSWORTH, CA 91311
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMay 1, 2051

April 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMECKLENBURG NC
Property Address12608 CONGREGATION DR, CHARLOTTE, NC 28278-8164
Transaction TypeMortgage
Record UpdatedMay 25, 2023
Title CompanySERVICELINK EAST ESCROW

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000072604
DateApr 13, 2021
Book Page35931/208
Instrument2021072604
Lender
NameMILLENNIAL HOME LENDING INC
TypeMortgage Company
AddressCHATSWORTH, CA 91311
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMay 1, 2051

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
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

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 Likelihood0.02% 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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