Mecklenburg County property record for 13017 Eagle Oak Dr, Charlotte, NC 28278
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,673 sqft · built 2020 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | Individual Name on File |
| Last Sale | $575,000 (May 2026) |
| Tax Bill | $3,828 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage Apr 2025 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 199-164-87 |
| Primary APN | 199-164-87 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,673 sqft Living Area |
| Gross Area | 3,279 sqft |
| 1st Floor Area | 1,148 sqft |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Concrete |
| Construction Type | Frame |
| Roof Material | Other |
| Lot Area | 9,583 sqft (0.22 acres) |
| Garage Type | Attached |
| Garage Area | 606 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 13017 EAGLE OAK DR |
|---|---|
| City | CHARLOTTE |
| State | NC |
| Zip | 28278-7059 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MX-1(INNOV |
| Legal Description | L239 M66-713 |
| Legal Subdivision | CHAPEL COVE PHASE 4D MAP 1 |
| Legal Block | 4 |
| Legal Lot Number | 239 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 3, STEELE CREEK |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 5908 |
13017 Eagle Oak Dr is owned and occupied by an individual who bought it in May 2026.
Source: Mecklenburg County records, as of June 9, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 13017 EAGLE OAK DR, CHARLOTTE, NC 28278-7059 |
| 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.
| Date | Document |
|---|---|
| Jan 20, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC |
| Apr 30, 2025 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| May 22, 2026 | Warranty Deed, Transfer · Conventional Mortgage HARBOR CITY TITLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 22, 2026 · Amount on File |
| Deed Sale | May 22, 2026 · Amount on File |
| Prior Sale | Dec 9, 2020 · Amount on File |
| Deed Document Number | 202654576 |
| Deed Book / Page | 40446 / 693 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 13017 EAGLE OAK DR, CHARLOTTE, NC 28278-7059 |
| Transaction Type | Mortgage |
| Record Updated | Jun 11, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000010362 |
|---|---|
| Date | Jan 20, 2022 |
| Book Page | 36984/1 |
| Instrument | 2022010362 |
| Name | ATLANTIC BAY MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Address | VIRGINIA BEACH, VA 23452 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 13017 EAGLE OAK DR, CHARLOTTE, NC 28278-7059 |
| Transaction Type | Mortgage |
| Record Updated | Jun 11, 2026 |
| Title Company | WFG LENDER SERVICES, WFG LENDER SERVICES RESWARE |
| Name | Verified Name |
|---|
| Document Number | 0000041152 |
|---|---|
| Date | Apr 30, 2025 |
| Book Page | 39548/442 |
| Instrument | 2025041152 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 21, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | May 22, 2026 |
| Property Address | 13017 EAGLE OAK DR, CHARLOTTE, NC 28278-7059 |
| Document Number | 0000054576 |
| Book / Page | 40446 / 693 |
| Instrument Date | May 21, 2026 |
| Instrument | 202654576 |
| Transaction Type | Transfer |
| Record Updated | Jun 9, 2026 |
| Title Company | HARBOR CITY TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $116,150.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 13017 EAGLE OAK DR, CHARLOTTE, NC 28278-7059 |
| Investor | Possibly a Property Investor |
| Document Number | 0000054577, |
|---|---|
| Date | May 22, 2026 |
| Instrument | 202654577 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
The 2025 property tax bill for 13017 Eagle Oak Dr was $3,828, up 1.5% from the year before.
Source: Mecklenburg County assessment roll, as of September 9, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mecklenburg County |
| Unified School District | Charlotte-Mecklenburg Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,828.00 (+1.48%) | $541,300 Land $125,000 Building $416,300 | $541,300 Land $125,000 Building $416,300 |
| 2024 | $3,772.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 13017 Eagle Oak Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2023.
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 |
| Nearby Flood Claims | 1 (2023) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Aug 2023 · other causes |
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 13017 Eagle Oak 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 | Direct burnable vegetation |
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 102 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 |
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