12909 Plumleaf Dr, Charlotte, NC 28213 Property Records

Mecklenburg County property record for 12909 Plumleaf Dr, Charlotte, NC 28213

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 4,760 sqft · built 2015
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on File
Tax Bill	$3,694 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Dec 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`051-202-62`

Property Details

APN / Parcel Number

Primary APN	`051-202-62`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,760 sqft Living Area
Gross Area	5,200 sqft
1st Floor Area	1,540 sqft
Upper Floors Area	1,680 sqft
Basement Area	1,540 sqft

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Roof Material	Other
Lot Area	9,148 sqft (0.21 acres)
Garage Type	Attached
Garage Area	440 sqft

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	49 sqft
Deck Area	120 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12909 PLUMLEAF DR
City	CHARLOTTE
State	NC
Zip	28213-4885
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MX-1
Legal Description	L13 M57-875
Legal Subdivision	OLD STONE XING CALDWELL CRK PH
Legal Block	2
Legal Lot Number	13
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	2
Census Block	2009
Census Tract	5625

Owner

12909 Plumleaf Dr is owned and occupied by an individual who acquired it in September 2025.

Source: Mecklenburg County records, as of June 18, 2026

Owner of Record	Individual Name on File
Mailing Address	12909 PLUMLEAF DR, CHARLOTTE, NC 28213-4885
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married

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
Jun 4, 2026	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Dec 27, 2024	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC
Sep 19, 2025	Intrafamily Transfer, Transfer · VA Mortgage NATIONSTAR MORTGAGE LLC
Jul 8, 2019	Deed of Trust, Mortgage · Line of Credit PENTAGON FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 19, 2025
Deed Sale	Sep 19, 2025
Deed Document Number	202595229
Deed Book / Page	39869 / 156
Prior Transfer Date	Sep 17, 2025
Prior Transfer Doc	0000095229
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Recording Date	Jun 4, 2026
Property Address	12909 PLUMLEAF DR, CHARLOTTE, NC 28213-4885
Document Number	0000059703
Book / Page	40479 / 178
Instrument Date	Jun 2, 2026
Instrument	202659703
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	ROCKET TITLE, ROCKET CLOSE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12909 PLUMLEAF DR, CHARLOTTE, NC 28213-4885

Mortgage

Document Number	0000059703,
Date	Jun 4, 2026
Book Page	40479/178
Instrument	202659703

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.37%
Max Rate	-1%

December 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	12909 PLUMLEAF DR, CHARLOTTE, NC 28213-4885
Transaction Type	Mortgage
Record Updated	Oct 2, 2025
Title Company	VYLLA TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12909 PLUMLEAF DR, CHARLOTTE, NC 28213-4885

Mortgage

Document Number	0000123755
Date	Dec 27, 2024
Book Page	39292/808
Instrument	2024123755

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2055

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MECKLENBURG NC
Recording Date	Sep 19, 2025
Property Address	12909 PLUMLEAF DR, CHARLOTTE, NC 28213-4885
Document Number	0000095229
Book / Page	39869 / 156
Map Reference	MB 55 PG 875
Instrument Date	Sep 17, 2025
Instrument	2025095229
Transaction Type	Transfer
Record Updated	May 22, 2026
Title Company	VYLLA TITLE LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12909 PLUMLEAF DR, CHARLOTTE, NC 28213-4885

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12909 PLUMLEAF DR, CHARLOTTE, NC 28213-4885

Mortgage

Document Number	0000095230
Date	Sep 19, 2025
Instrument	2025095230

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	12909 PLUMLEAF DR, CHARLOTTE, NC 28213-4885
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK PITTSBURGH

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000085058
Date	Jul 8, 2019
Book Page	33649/620
Instrument	2019085058

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	FLINT, MI 48501

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	179 Months
Due	Jun 21, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 12909 Plumleaf Dr was $3,694, down 3.2% from the year before.

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	$3,694.00 (-3.2%)	$504,000 Land $105,000 Building $399,000	$504,000 Land $105,000 Building $399,000
2024	$3,816.00
2023			$504,000 Land $105,000 Building $399,000

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

Flood

FEMA maps place 12909 Plumleaf Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	1 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 12909 Plumleaf Dr is low, with a 0.03% 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	0.03% annual chance
Exposure	None beyond ember reach

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 154 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
Windstream DSL	100 / 20

May also be available: T-Mobile.

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