Mecklenburg County property record for 15005 Smith Rd, Charlotte, NC 28273
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,618 sqft · built 1992 |
| Lot Size | 0.32 acres (13,965 sqft) |
| Owner | Individual Name on File |
| Last Sale | $110,500 (Feb 1993) |
| Tax Bill | $3,264 (2023) |
| Deeds & Mortgages | Dec 2025 Mortgage Jun 2023 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 219-234-56 |
| Primary APN | 219-234-56 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,618 sqft Heated Area |
| Gross Area | 2,155 sqft |
| 1st Floor Area | 729 sqft |
| Upper Floors Area | 891 sqft |
| Flooring | Concrete/Cement |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Asphalt |
| Lot Area | 13,965 sqft (0.32 acres) |
| Garage Area | 429 sqft |
| Porch | Porch |
| Porch Area | 106 sqft |
| Deck Area | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Old Parcel Number | 219-234-56 |
|---|---|
| Street Address | 15005 SMITH RD |
| City | CHARLOTTE |
| State | NC |
| Zip | 28273-6894 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3 |
| Legal Description | L1 B5 M25-07 |
| Legal Subdivision | SOUTHBRIDGE PH 01 |
| Legal Block | 5 |
| Legal Lot Number | 1 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 1, CHARLOTTE |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 5918 |
15005 Smith Rd is owned and occupied by an individual who bought it in February 1993.
Source: Mecklenburg County records, as of May 24, 2023
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 15005 SMITH RD, CHARLOTTE, NC 28273-6894 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Dec 15, 2025 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Jun 27, 2023 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Jun 10, 2020 | Deed of Trust, Mortgage · Conventional with PMI STATE EMPS CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 1, 1993 · Amount on File |
| Deed Sale | Feb 1, 1993 · Amount on File |
| Deed Document Number | 0007186878 |
| Deed Book / Page | 7186 / 878 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 15005 SMITH RD, CHARLOTTE, NC 28273-6894 |
| Transaction Type | Mortgage |
| Record Updated | Dec 31, 2025 |
| Name | Verified Name |
|---|---|
| Address | 15005 SMITH RD, CHARLOTTE, NC 28273-6894 |
| Document Number | 0000128449 |
|---|---|
| Date | Dec 15, 2025 |
| Book Page | 40072/593 |
| Instrument | 2025128449 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5% |
| Type Change Date | Jan 1, 2031 |
| Change Frequency | 5 Years |
| Min Rate At Change | 3% |
| Max Rate At Change | 7% |
| Index | 5-Year CMT |
| Max Rate | 11% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 15005 SMITH RD, CHARLOTTE, NC 28273-6894 |
| Transaction Type | Mortgage |
| Record Updated | Jul 7, 2023 |
| Title Company | ACCURATE GROUP, ACCURATE GROUP LLC |
| Name | Verified Name |
|---|
| Document Number | 0000060182 |
|---|---|
| Date | Jun 27, 2023 |
| Book Page | 38211/557 |
| Instrument | 2023060182 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 15005 SMITH RD, CHARLOTTE, NC 28273-6894 |
| Document Number | 0000088026 |
| Instrument Date | Jun 10, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 13, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 15065 SMITH RD CHARLOTTE NC 28273, CHARLOTTE, NC 28273 |
| Document Number | 0000088026 |
|---|---|
| Date | Jun 16, 2020 |
| Book Page | 034692/000004 |
| Instrument | 88026 |
| Name | STATE EMPS CU |
|---|---|
| Address | RALEIGH, NC 27611-5279 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 15, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.87% |
Source: Mecklenburg County assessment roll, as of January 1, 2023
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mecklenburg County |
| Municipality | Charlotte City |
| Unified School District | Charlotte-Mecklenburg Schools (PK - 12) |
FEMA maps place 15005 Smith Rd in Zone X, an area of minimal flood risk.
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 | 2 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 risk around 15005 Smith Rd is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 96% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.02% 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 299 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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