12619 Congregation Dr, Charlotte, NC 28278 Property Records

Mecklenburg County property record for 12619 Congregation Dr, Charlotte, NC 28278

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,128 sqft · built 2012
Lot Size	0.22 acres (9,587 sqft)
Owner	Individual Name on Record
Last Sale	$400,000 (Oct 2021)
Tax Bill	$3,873 (2023)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Jul 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`219-124-58`

Property Details

APN / Parcel Number

Primary APN	`219-124-58`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,128 sqft Heated Area
Gross Area	2,683 sqft
1st Floor Area	1,022 sqft
Upper Floors Area	1,106 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2012
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Lot Area	9,587 sqft (0.22 acres)
Garage Area	420 sqft
Porch	Porch
Porch Area	135 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	219-124-58
Street Address	12619 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	L31 M52-45
Legal Subdivision	ENCLAVE PH 01 MAP 02
Legal Lot Number	31
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 May 24, 2023

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	12619 CONGREGATION DR, CHARLOTTE, NC 28278-8164
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 21, 2021	Warranty Deed, Transfer · Conventional Mortgage SOFI LEMGING CORP
Jul 25, 2019	Warranty Deed, Transfer · VA Mortgage USAA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 21, 2021 · Amount on Record
Deed Sale	Oct 21, 2021 · Amount on Record
Prior Sale	Jul 25, 2019 · Amount on Record
Deed Document Number	0036669302
Deed Book / Page	36669 / 302
Record Updated	Jun 7, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Oct 21, 2021
Property Address	12619 CONGREGATION DR, CHARLOTTE, NC 28278-8164
Document Number	0000201043
Book / Page	36669 / 302
Map Reference	MB 52 PG 45&46
Instrument Date	Oct 20, 2021
Instrument	2021201043
Transaction Type	Transfer
Record Updated	May 25, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$800.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1000 REUNION PL SW, ATLANTA, GA 30331-6349

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12619 CONGREGATION DR, CHARLOTTE, NC 28278-8164

Mortgage

Document Number	0000201044
Date	Oct 21, 2021
Instrument	2021201044

Lender

Name	SOFI LEMGING CORP
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Jul 25, 2019
Property Address	12619 CONGREGATION DR, CHARLOTTE, NC 28278-8164
Document Number	0000094373
Book / Page	033697 / 000014
Instrument Date	Jul 20, 2019
Instrument	94373
Transaction Type	Transfer
Record Updated	Aug 16, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$570.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12619 CONGREGATION DR CHARLOTTE NC 282788164, CHARLOTTE, NC 28278-8164

Mortgage

Document Number	94374
Date	Jul 25, 2019
Book Page	033697/000016
Instrument	94374

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 24, 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

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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