15333 Thomas Rd, Charlotte, NC 28278 Property Records

Mecklenburg County property record for 15333 Thomas Rd, Charlotte, NC 28278

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 4,038 sqft · built 1930
Lot Size	3.26 acres (142,223 sqft)
Owner	2 Individual Names on Record
Last Sale	$475,000 (Jul 2017)
Tax Bill	$4,824 (2025)
Deeds & Mortgages	Apr 2026 Mortgage May 2021 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`217-252-09`

Property Details

APN / Parcel Number

Primary APN	`217-252-09`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	4,038 sqft Living Area
1st Floor Area	4,038 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1995
Exterior Material	Concrete
Construction Type	Frame
Foundation Type	Raised
Roof Type	Hip
Roof Material	Other
Lot Area	142,223 sqft (3.26 acres)
View / Lot	Rural
Garage Area	1,820 sqft
Porch	Finished/Open Porch
Porch Area	672 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	15333 THOMAS RD
City	CHARLOTTE
State	NC
Zip	28278-5814
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	L5 M30-121
Legal Subdivision	RAMIE E CUSHMAN & JANETTE B CU
Legal Block	2
Legal Lot Number	5
Jurisdiction	MECKLENBURG NC
Township / Civil Division	3, STEELE CREEK
Census Block Group	1
Census Block	1028
Census Tract	5925

Owner

Source: Mecklenburg County records, as of June 3, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	6230 CASTLECOVE RD, CHARLOTTE, NC 28278-6643
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 9, 2026	Deed of Trust, Mortgage · Conventional Mortgage THIRD FEDERAL SAVINGS AND LOANS/CLEVELAND
May 19, 2021	Deed of Trust, Mortgage · Line of Credit TOWER FCU
Dec 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
May 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jul 12, 2017	Warranty Deed, Transfer · Conventional Mortgage AMERICAN SECURITY MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 12, 2017 · Amount on Record
Deed Sale	Jul 12, 2017 · Amount on Record
Deed Document Number	201793366
Deed Book / Page	31958 / 646
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Recording Date	Apr 9, 2026
Property Address	15333 THOMAS RD, CHARLOTTE, NC 28278-5814
Document Number	0000035791
Book / Page	40331 / 1
Instrument Date	Apr 2, 2026
Instrument	202635791
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE 365, TITLE365

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15333 THOMAS RD, CHARLOTTE, NC 28278-5814

Mortgage

Document Number	0000035791,
Date	Apr 9, 2026
Book Page	40331/1
Instrument	202635791

Lender

Name	THIRD FEDERAL SAVINGS AND LOANS/CLEVELAND

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 7, 2056

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	15333 THOMAS RD, CHARLOTTE, NC 28278-5814
Transaction Type	Mortgage
Record Updated	May 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000098821
Date	May 19, 2021
Book Page	36079/122
Instrument	2021098821

Lender

Name	TOWER FCU
Type	Credit Union
Address	LAUREL, MD 20707

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	358 Months
Due	Mar 25, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	15333 THOMAS RD, CHARLOTTE, NC 28278-5814
Transaction Type	Mortgage
Record Updated	May 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000238796
Date	Dec 20, 2021
Book Page	36888/477
Instrument	2021238796

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

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

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	15333 THOMAS RD, CHARLOTTE, NC 28278-5814
Transaction Type	Mortgage
Record Updated	Aug 23, 2022
Title Company	CROWN TITLE CORPORATION

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000067769
Date	May 13, 2020
Book Page	34567/542
Instrument	2020067769

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

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

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Jul 12, 2017
Property Address	15333 THOMAS RD, CHARLOTTE, NC 28278-5814
Document Number	0000093366
Book / Page	31958 / 646
Map Reference	MB30 PG121
Instrument Date	Jul 12, 2017
Instrument	2017093366
Transaction Type	Transfer
Record Updated	Aug 23, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$950.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5360 BLUCBIRD LN, 5360, YORK, SC 29745

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6230 CASTLECOVE RD, CHARLOTTE, NC 28278-6643

Mortgage

Document Number	0000093367
Date	Jul 12, 2017
Instrument	2017093367

Lender

Name	AMERICAN SECURITY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

Tax Assessment & Valuation

Source: Mecklenburg County assessment roll, as of September 9, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Mecklenburg County
Unified School District	Charlotte-Mecklenburg Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,824.00 (+7.08%)	$684,000 Land $207,800 Building $476,200	$684,000 Land $207,800 Building $476,200
2024	$4,505.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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	0.03% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Comporium, Google Fiber.

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