Mecklenburg County property record for 12720 Beddingfield Dr, Charlotte, NC 28278
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,563 sqft · built 2002 |
| Lot Size | 0.166 acres (7,234 sqft) |
| Owner | Individual Name on File |
| Last Sale | $200,000 (Jul 2018) |
| Tax Bill | $3,304 (2023) |
| Deeds & Mortgages | Apr 2017 Line of Credit Jul 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 199-476-39 |
| Primary APN | 199-476-39 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,563 sqft Heated Area |
| Gross Area | 1,963 sqft |
| 1st Floor Area | 1,563 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 7,234 sqft (0.166 acres) |
| Garage Area | 400 sqft |
| Patio Area | 99 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Old Parcel Number | 199-476-39 |
|---|---|
| Street Address | 12720 BEDDINGFIELD DR |
| City | CHARLOTTE |
| State | NC |
| Zip | 28278-0002 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-4(CD) |
| Legal Description | L313 M32-435 |
| Legal Subdivision | PLANTERS WALK PH 02A MAP 01 |
| Legal Lot Number | 313 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 1, CHARLOTTE |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 5924 |
12720 Beddingfield Dr is owned and occupied by an individual who bought it in July 2018.
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 File |
|---|---|
| Mailing Address | 12720 BEDDINGFIELD DR, CHARLOTTE, NC 28278-0002 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 17, 2017 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Jul 3, 2018 | Warranty Deed, Transfer · Conventional Mortgage CERTAINTY HOME LOANS LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 3, 2018 · Amount on File |
| Deed Sale | Jul 3, 2018 · Amount on File |
| Prior Sale | Mar 14, 2002 · Amount on File |
| Deed Document Number | 0032808816 |
| Deed Book / Page | 32808 / 816 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 12720 BEDDINGFIELD DR, CHARLOTTE, NC 28278-0002 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000048717 |
|---|---|
| Date | Apr 17, 2017 |
| Book Page | 31721/0335 |
| Instrument | 2017048717 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27609 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Jul 3, 2018 |
| Property Address | 12720 BEDDINGFIELD DR, CHARLOTTE, NC 28278-0002 |
| Document Number | 0000083794 |
| Book / Page | 32808 / 816 |
| Map Reference | MB32 PG435 |
| Instrument Date | Jun 29, 2018 |
| Instrument | 2018083794 |
| Transaction Type | Transfer |
| Record Updated | Jun 15, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $400.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 13506 LITTLE ABBEY LN APT 112, 13506, CHARLOTTE, NC 28278-7792 |
| Name | Verified Name |
|---|---|
| Address | 12720 BEDDINGFIELD DR, CHARLOTTE, NC 28278-0002 |
| Document Number | 0000083795 |
|---|---|
| Date | Jul 3, 2018 |
| Instrument | 2018083795 |
| Name | CERTAINTY HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2048 |
| Document Number | 0000083796 |
|---|---|
| Date | Jul 3, 2018 |
| Book Page | 32808/834 |
| Instrument | 2018083796 |
| Name | NORTH CAROLINA HOUSING FINANCE AGENCY |
|---|---|
| Type | Government Agency |
| Address | RALEIGH, NC 27611 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
Source: Mecklenburg County assessment roll, as of January 1, 2023
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mecklenburg County |
| Municipality | Charlotte City |
| Unified School District | Charlotte-Mecklenburg Schools (PK - 12) |
FEMA maps place 12720 Beddingfield 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 | 5 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 risk around 12720 Beddingfield Dr is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 95% of North Carolina |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 492 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 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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