16422 Cobbler Dr, Midland, NC 28107 Property Records

Mecklenburg County property record for 16422 Cobbler Dr, Midland, NC 28107

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,654 sqft · built 1996
Lot Size	2.66 acres (115,870 sqft)
Owner	Individual Name on File
Last Sale	$820,000 (Oct 2023)
Tax Bill	$4,097 (2023)
Deeds & Mortgages	Oct 2023 Sale Dec 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`139-173-55`

Property Details

APN / Parcel Number

Primary APN	`139-173-55`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	3,654 sqft Heated Area
Gross Area	3,926 sqft
1st Floor Area	1,398 sqft
Upper Floors Area	1,687 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Material	Wood
Lot Area	115,870 sqft (2.66 acres)
Garage Area	576 sqft

Exterior Amenities

Pool Area	512 sqft
Porch	Porch
Porch Area	265 sqft
Deck Area	32 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	139-173-55
Street Address	16422 COBBLER DR
City	MIDLAND
State	NC
Zip	28107-9335
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	L38 M23-174
Legal Subdivision	BLACKBERRY HILLS
Legal Lot Number	38
Jurisdiction	MECKLENBURG NC
Township / Civil Division	6, CLEAR CREEK
Census Block Group	1
Census Block	1009
Census Tract	5715

Owner

16422 Cobbler Dr is owned and occupied by an individual who bought it in October 2023.

Source: Mecklenburg County records, as of October 17, 2023

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	16422 COBBLER DR, MIDLAND, NC 28107-9335
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 3, 2023	Warranty Deed, Transfer
Dec 16, 2022	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 30, 2019	Warranty Deed, Transfer · Conventional Mortgage NFM LNDG
Oct 24, 2018	Intrafamily Transfer, Transfer · ARM BROKER SOLUTIONS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 3, 2023 · Amount on File
Deed Sale	Oct 3, 2023 · Amount on File
Prior Sale	Dec 16, 2022 · Amount on File
Deed Document Number	2023094671
Deed Book / Page	38409 / 556
Record Updated	Jun 7, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Oct 3, 2023
Property Address	16422 COBBLER DR, MIDLAND, NC 28107-9335
Document Number	0000094671
Book / Page	38409 / 556
Map Reference	MB 23 PG 174
Instrument Date	Oct 3, 2023
Instrument	2023094671
Transaction Type	Transfer
Record Updated	Oct 18, 2023

Transaction

Amount	Amount on Record
Tax	$1,640.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6224 COATBRIDGE LN, CHARLOTTE, NC 28212-6715

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16422 COBBLER DR, MIDLAND, NC 28107-9335

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Dec 16, 2022
Property Address	16422 COBBLER DR, MIDLAND, NC 28107-9335
Document Number	0000165226
Book / Page	37834 / 886
Map Reference	MB 23 PG 174
Instrument Date	Dec 16, 2022
Instrument	2022165226
Transaction Type	Transfer
Record Updated	May 25, 2023
Title Company	NOT AVAILABLE, TRYON TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,440.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3021 MONTERREY LN, MONROE, NC 28110-7866

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16422 COBBLE DR, MIDLAND, NC 28107-9335

Mortgage

Document Number	0000165227
Date	Dec 16, 2022
Instrument	2022165227

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2053

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Jul 30, 2019
Property Address	16422 COBBLER DR, MIDLAND, NC 28107-9335
Document Number	0000097236
Book / Page	033713 / 000928
Instrument Date	Jul 24, 2019
Instrument	97236
Transaction Type	Transfer
Record Updated	Aug 23, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,050.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16422 COBBLER DR MIDLAND NC 281079335, MIDLAND, NC 28107-9335

Mortgage

Document Number	97237
Date	Jul 30, 2019
Book Page	033713/000930
Instrument	97237

Lender

Name	NFM LNDG
Address	LINTHICUM, MD 27090

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	300 Months
Due	Jul 29, 2044

October 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MECKLENBURG NC
Recording Date	Oct 24, 2018
Property Address	16422 COBBLER DR, MIDLAND, NC 28107-9335
Document Number	0000133870
Book / Page	33063 / 796
Map Reference	MB23 PG174
Instrument Date	Oct 19, 2018
Instrument	2018133870
Transaction Type	Transfer
Record Updated	Jun 15, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16422 COBBLER DR, 16422, MIDLAND, NC 28107-9335

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16422 COBBLER DR, MIDLAND, NC 28107-9335

Mortgage

Document Number	0000133871
Date	Oct 24, 2018
Instrument	2018133871

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	Nov 1, 2025
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	10%
Index	1-Year LIBOR
Max Rate	10%

Tax Assessment & Valuation

Source: Mecklenburg County assessment roll, as of January 1, 2023

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
2023	$4,097.00	$664,280 Land $135,100 Building $529,180	$664,280 Land $135,100 Building $529,180

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

Flood

FEMA maps place 16422 Cobbler Dr 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 5 (25% premium discount)
Nearby Flood Policies	1 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

Wildfire risk around 16422 Cobbler Dr is low, with a 0.01% annual chance of 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	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 36 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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