Mecklenburg County property record for 16405 Macgregor Ln, Charlotte, NC 28278
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,712 sqft · built 1968 |
| Lot Size | 1.45 acres (63,336 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $670,000 (Nov 2020) |
| Tax Bill | $5,178 (2023) |
| Deeds & Mortgages | Nov 2025 Second Mortgage Jul 2023 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 217-222-05 |
| Primary APN | 217-222-05 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 3 Rooms |
| Stories | 2 Stories |
| Building Area | 2,712 sqft Heated Area |
| Gross Area | 3,736 sqft |
| 1st Floor Area | 1,368 sqft |
| Upper Floors Area | 1,344 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1968 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Composition/Composite |
| Foundation Type | Raised |
| Lot Area | 63,336 sqft (1.45 acres) |
| Garage Area | 576 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 448 sqft |
| Deck Area | 210 sqft |
| Patio Area | 435 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Old Parcel Number | 217-222-05 |
|---|---|
| Street Address | 16405 MACGREGOR LN |
| City | CHARLOTTE |
| State | NC |
| Zip | 28278-7956 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R5 |
| Legal Description | L32 M64-961 |
| Legal Subdivision | 02A |
| Legal Tract | 1 |
| Legal Lot Number | 32 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 3, STEELE CREEK |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 5926 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Individually Listed | Laurelwood Cemetery listed 2008 · 3 contributing resources · NRIS 08000746 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 16405 MACGREGOR LN, CHARLOTTE, NC 28278-7956 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 21, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ATLANTIC BAY MORTGAGE GROUP LLC |
| Jul 25, 2023 | Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC |
| Aug 2, 2022 | Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO |
| May 23, 2022 | Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC |
| Nov 10, 2020 | Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC |
| Nov 12, 2019 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 10, 2020 · Amount on Record |
| Deed Sale | Nov 10, 2020 · Amount on Record |
| Prior Sale | Nov 10, 2020 · Amount on Record |
| Deed Document Number | 0000189506 |
| Deed Book / Page | 35298 / 803 |
| Last Transfer Date | May 23, 2022 |
| Transfer Doc | 0000077668 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 16405 MACGREGOR LN, CHARLOTTE, NC 28278-7956 |
| Transaction Type | Mortgage |
| Record Updated | Dec 8, 2025 |
| Name | Verified Name |
|---|---|
| Address | 187 N CANTERBURY RD, CHARLOTTE, NC 28211-1421 |
| Document Number | 0000120276 |
|---|---|
| Date | Nov 21, 2025 |
| Book Page | 40023/48 |
| Instrument | 2025120276 |
| Name | ATLANTIC BAY MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Address | VIRGINIA BEACH, VA 23452 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6% |
| Type Change Date | Dec 1, 2032 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 11% |
| Index | SOFR Average 30-Day |
| Max Rate | 11% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 16405 MACGREGOR LN, CHARLOTTE, NC 28278-7956 |
| Transaction Type | Mortgage |
| Record Updated | Aug 7, 2023 |
| Name | Verified Name |
|---|---|
| Address | 16405 MACGREGOR LN, CHARLOTTE, NC 28278-7956 |
| Document Number | 0000070192 |
|---|---|
| Date | Jul 25, 2023 |
| Book Page | 38269/777 |
| Instrument | 2023070192 |
| Name | ATLANTIC BAY MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Address | VIRGINIA BEACH, VA 23452 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7% |
| Type Change Date | Aug 1, 2030 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 12% |
| Margin | 3 |
| Max Rate | 12% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 16405 MACGREGOR LN, CHARLOTTE, NC 28278-7956 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2023 |
| Title Company | STEWART TITLE, STEWART TTL GUARANTY NON CA |
| Name | Verified Name |
|---|---|
| Address | 16405 MACGREGOR LN, CHARLOTTE, NC 28278-7956 |
| Document Number | 0000112069 |
|---|---|
| Date | Aug 2, 2022 |
| Book Page | 37545/12 |
| Instrument | 2022112069 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | May 23, 2022 |
| Property Address | 16405 MACGREGOR LN, CHARLOTTE, NC 28278-7956 |
| Document Number | 0000077668 |
| Book / Page | 37359 / 204 |
| Map Reference | MB 64 PG 961 |
| Instrument Date | May 16, 2022 |
| Instrument | 2022077668 |
| Transaction Type | Transfer |
| Record Updated | May 25, 2023 |
| Title Company | CASTLE TITLE AGENCY LLC, MASTER TITLE AGENCY LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $400.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|---|
| Address | 25858 W BASS LAKE RD, WEBSTER, WI 54893-8637 |
| Name | Verified Name |
|---|---|
| Address | 16405 MACGREGOR LN, CHARLOTTE, NC 28278-7956 |
| Document Number | 0000077669 |
|---|---|
| Date | May 23, 2022 |
| Instrument | 2022077669 |
| Name | ATLANTIC BAY MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Nov 10, 2020 |
| Property Address | 16405 MACGREGOR LN, CHARLOTTE, NC 28278-7956 |
| Document Number | 0000189506 |
| Book / Page | 35298 / 803 |
| Map Reference | MB 64 PG 961 |
| Instrument Date | Nov 10, 2020 |
| Instrument | 2020189506 |
| Transaction Type | Transfer |
| Record Updated | Jun 15, 2021 |
| Title Company | MASTER TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,340.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 16405 MACGREGOR LN, CHARLOTTE, NC 28278-7956 |
| Document Number | 0000189507 |
|---|---|
| Date | Nov 10, 2020 |
| Instrument | 2020189507 |
| Name | ATLANTIC BAY MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Nov 12, 2019 |
| Property Address | 16405 MACGREGOR LN, CHARLOTTE, NC 28278-7956 |
| Document Number | 0000154061 |
| Book / Page | 034029 / 000929 |
| Instrument Date | Nov 12, 2019 |
| Instrument | 154061 |
| Transaction Type | Transfer |
| Record Updated | Dec 5, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $250.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 16021 LITTLE RAY CT CHARLOTTE NC 28278, CHARLOTTE, NC 28278 |
Source: Mecklenburg County assessment roll, as of January 1, 2023
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mecklenburg County |
| Unified School District | Charlotte-Mecklenburg Schools (PK - 12) |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 15 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 15 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.
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 | 0.03% 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 208 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 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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