Mecklenburg County property record for 13931 Pine Harbor Rd, Charlotte, NC 28278
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,097 sqft · built 1997 |
| Lot Size | 0.177 acres (7,742 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $392,500 (Feb 2025) |
| Tax Bill | $2,352 (2023) |
| Deeds & Mortgages | Feb 2025 Sale & Mortgage Sep 2017 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 199-461-63 |
| Primary APN | 199-461-63 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,097 sqft Heated Area |
| 1st Floor Area | 1,159 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Masonite |
| Roof Material | Asphalt |
| Lot Area | 7,742 sqft (0.177 acres) |
| Garage Area | 420 sqft |
| Deck Area | 170 sqft |
| Patio Area | 454 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Street Address | 13931 PINE HARBOR RD |
|---|---|
| City | CHARLOTTE |
| State | NC |
| Zip | 28278-7339 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-20MF |
| Legal Description | L54 M23-298 |
| Legal Subdivision | CROWN HARBOR PH I MAP I |
| Legal Lot Number | 54 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 3, STEELE CREEK |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 5908 |
Source: Mecklenburg County records, as of December 4, 2025
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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 13931 PINE HARBOR RD, CHARLOTTE, NC 28278-7339 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 27, 2025 | Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Sep 21, 2017 | Deed of Trust, Mortgage · Line of Credit CITIBANK NA |
| Apr 7, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Jul 1, 2020 | Warranty Deed, Transfer · Conventional with PMI ATLANTIC HM LOANS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 27, 2025 · Amount on Record |
| Deed Sale | Feb 27, 2025 · Amount on Record |
| Prior Sale | Jul 1, 2020 · Amount on Record |
| Deed Document Number | 0034758431 |
| Deed Book / Page | 34758 / 431 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Feb 27, 2025 |
| Property Address | 13931 PINE HARBOR RD, CHARLOTTE, NC 28278-7339 |
| Document Number | 0000017743 |
| Book / Page | 39405 / 793 |
| Map Reference | MB 23 PG 298 |
| Instrument Date | Feb 27, 2025 |
| Instrument | 2025017743 |
| Transaction Type | Transfer |
| Record Updated | May 22, 2026 |
| Title Company | BROKER TITLE SERVICES |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $785.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 20028 WESTCROFT AVE, CHARLOTTE, NC 28273-4680 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 13931 PINE HARBOR RD, CHARLOTTE, NC 28278-7339 |
| Document Number | 0000017744 |
|---|---|
| Date | Feb 27, 2025 |
| Instrument | 2025017744 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 13931 PINE HARBOR RD, CHARLOTTE, NC 28278-7339 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000127985 |
|---|---|
| Date | Sep 21, 2017 |
| Book Page | 32135/403 |
| Instrument | 2017127985 |
| Name | CITIBANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 20, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 13931 PINE HARBOR RD, CHARLOTTE, NC 28278-7339 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000048604 |
|---|---|
| Date | Apr 7, 2020 |
| Book Page | 34447/176 |
| Instrument | 2020048604 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Jul 1, 2020 |
| Property Address | 13931 PINE HARBOR RD, CHARLOTTE, NC 28278-7339 |
| Document Number | 0000098925 |
| Book / Page | 034758 / 000431 |
| Instrument Date | Jul 1, 2020 |
| Instrument | 98925 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2020 |
| Title Company | OTHER |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $600.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 13931 PINE HARBOR RD CHARLOTTE NC 282787339, CHARLOTTE, NC 28278-7339 |
| Document Number | 98926 |
|---|---|
| Date | Jul 1, 2020 |
| Book Page | 034758/000433 |
| Instrument | 98926 |
| Name | ATLANTIC HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | PARSIPPANY, NJ 07054 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 30, 2050 |
Source: Mecklenburg County assessment roll, as of January 1, 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 | $381,400 (-) Land $76,500 Building $304,900 | ||
| 2023 | $2,352.00 | $381,400 Land $76,500 Building $304,900 | $381,400 Land $76,500 Building $304,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · above 43% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.04% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | HARBOR CLUB S/D private · serves 163 people · EPA ID NC0160276 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2026 |
| Also Mapped Here | QUEENS HARBOR/PIER POINT, CHARLOTTE WATER |
| Lead | Under 1 ppb (2026–2028) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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 106 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL in parts of the area | 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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