1303 Lost Oak Rd, Charlotte, NC 28270 Property Records

Mecklenburg County property record for 1303 Lost Oak Rd, Charlotte, NC 28270

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 5,781 sqft · built 2008
Lot Size	0.285 acres (12,454 sqft)
Owner	Individual Name on Record
Last Sale	$1,100,000 (Jul 2022)
Tax Bill	$9,497 (2023)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`213-041-34`

Property Details

APN / Parcel Number

Primary APN	`213-041-34`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Half Baths	2 Half Baths
Stories	3 Stories
Building Area	5,781 sqft Heated Area
Gross Area	7,182 sqft
1st Floor Area	2,539 sqft
Upper Floors Area	2,599 sqft
Attic Area	643 sqft
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Architectural Style	Other
Exterior Material	Brick Veneer
Foundation Type	Raised
Lot Area	12,454 sqft (0.285 acres)
Garage Area	778 sqft
Porch	Porch
Porch Area	56 sqft
Patio Area	567 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	213-041-34
Street Address	1303 LOST OAK RD
City	CHARLOTTE
State	NC
Zip	28270-1282
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	L19 M44-614
Legal Subdivision	LOST TREE
Legal Lot Number	19
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	2
Census Block	2001
Census Tract	3016

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 Record	Individual Name on Record
Mailing Address	1303 LOST OAK RD, CHARLOTTE, NC 28270-1282
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2022	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Jun 15, 2020	Warranty Deed, Transfer · Conventional Mortgage WHITLEY MORTGAGE ASSOCIATES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 21, 2022 · Amount on Record
Deed Sale	Jul 21, 2022 · Amount on Record
Prior Sale	Jun 15, 2020 · Amount on Record
Deed Document Number	0003751840
Deed Book / Page	37518 / 40
Record Updated	Jun 7, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Jul 21, 2022
Property Address	1303 LOST OAK RD, CHARLOTTE, NC 28270-1282
Document Number	0000107114
Book / Page	37518 / 40
Map Reference	MB 44 PG 614
Instrument Date	Jul 21, 2022
Instrument	2022107114
Transaction Type	Transfer
Record Updated	May 25, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,200.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1104 LONGWOOD CT, MATTHEWS, NC 28104-7767

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1303 LOST OAK RD, CHARLOTTE, NC 28270-1282

Mortgage

Document Number	0000107115
Date	Jul 21, 2022
Instrument	2022107115

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Jun 15, 2020
Property Address	1303 LOST OAK RD, CHARLOTTE, NC 28270-1282
Document Number	0000087322
Book / Page	34687 / 533
Map Reference	MB 44 PG 614
Instrument Date	Jun 15, 2020
Instrument	2020087322
Transaction Type	Transfer
Record Updated	Jun 15, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,745.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1440 BRISTOL PLACE CT, 1440, CHARLOTTE, NC 28226-0926

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1303 LOST OAK RD, CHARLOTTE, NC 28270-1282

Mortgage

Document Number	0000087323
Date	Jun 15, 2020
Instrument	2020087323

Lender

Name	WHITLEY MORTGAGE ASSOCIATES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Type Change Date	Jul 1, 2025
Change Frequency	Annually
Min Rate At Change	4.5%
Max Rate At Change	8.5%
Index	1-Year LIBOR
Max Rate	11.5%

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 186 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Google Fiber Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Windstream DSL	300 / 20

May also be available: T-Mobile.

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