1311 Lost Oak Rd, Charlotte, NC 28270 Property Records

Mecklenburg County property record for 1311 Lost Oak Rd, Charlotte, NC 28270

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 5,308 sqft · built 2008
Lot Size	0.309 acres (13,485 sqft)
Owner	Individual Name on Record
Tax Bill	$9,001 (2023)
Deeds & Mortgages	Mar 2021 Mortgage Sep 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`213-041-97`

Property Details

APN / Parcel Number

Primary APN	`213-041-97`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	5,308 sqft Heated Area
Gross Area	6,502 sqft
1st Floor Area	2,139 sqft
Upper Floors Area	2,598 sqft
Attic Area	571 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Exterior Material	Brick Veneer
Foundation Type	Raised
Lot Area	13,485 sqft (0.309 acres)
Garage Area	805 sqft
Porch	Porch
Porch Area	32 sqft
Patio Area	357 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	213-041-97
Street Address	1311 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	M44-614
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	1311 LOST OAK RD, CHARLOTTE, NC 28270-1282
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN SECURITY MORTGAGE CORP
Sep 9, 2021	Deed of Trust, Mortgage · Line of Credit SOUTH STATE BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 10, 2014
Deed Sale	Jul 10, 2014
Deed Document Number	0029301882
Record Updated	Jun 7, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	1311 LOST OAK RD, CHARLOTTE, NC 28270-1282
Transaction Type	Mortgage
Record Updated	May 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000039105
Date	Mar 1, 2021
Book Page	35736/65
Instrument	2021039105

Lender

Name	AMERICAN SECURITY MORTGAGE CORP
Type	Mortgage Company
Address	CHARLOTTE, NC 28207

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	1311 LOST OAK RD, CHARLOTTE, NC 28270-1282
Transaction Type	Mortgage
Record Updated	May 25, 2023
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1311 LOST OAK RD, CHARLOTTE, NC 28270-1282

Mortgage

Document Number	0000172728
Date	Sep 9, 2021
Book Page	36506/175
Instrument	2021172728

Lender

Name	SOUTH STATE BANK NA
Type	Bank
Address	WINTER HAVEN, FL 33880

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Aug 20, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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.

Nearby Properties on Lost Oak Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures