16522 Trace Chain Ln, Charlotte, NC 28278 Property Records

Mecklenburg County property record for 16522 Trace Chain Ln, Charlotte, NC 28278 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,189 sqft · built 1986
Lot Size	2 acres (87,338 sqft)
Owner	2 Individual Names on File
Last Sale	$265,000 (Mar 2017)
Tax Bill	$3,003 (2024)
Deeds & Mortgages	Nov 2025 Line of Credit May 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`217-061-35`

Property Details

APN / Parcel Number

Primary APN	`217-061-35`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,189 sqft Living Area
Gross Area	2,589 sqft
1st Floor Area	1,365 sqft
Upper Floors Area	608 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1995
Exterior Material	Wood
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Other
Lot Area	87,338 sqft (2 acres)
View / Lot	Rural
Garage Type	Attached
Garage Area	400 sqft
Porch	Finished/Open Porch
Porch Area	66 sqft
Deck Area	216 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Street Address	16522 TRACE CHAIN LN
City	CHARLOTTE
State	NC
Zip	28278-8412
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	M19-327
Legal Block	1
Legal Lot Number	35
Jurisdiction	MECKLENBURG NC
Township / Civil Division	3, STEELE CREEK
Census Block Group	1
Census Block	1009
Census Tract	5926

Owner

Source: Mecklenburg County records · APN 217-061-35

Assessment roll updated September 9, 2025 · Last verified August 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 File
Mailing Address	16522 TRACE CHAIN LN, CHARLOTTE, NC 28278-8412
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 18, 2025	Deed of Trust, Mortgage · Line of Credit TRULIANT FCU
May 09, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage FREEDOM MORTGAGE CORP
Dec 09, 2019	Deed of Trust, Mortgage · FHA Mortgage HOME POINT FINANCIAL CORPORATION
Mar 13, 2017	Warranty Deed, Transfer · FHA Mortgage HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 13, 2017 · Amount on Record
Deed Sale	Mar 13, 2017 · Amount on Record
Prior Sale	Dec 03, 2002 · Amount on Record
Deed Document Number	201731841
Deed Book / Page	31632 / 59
Last Transfer Date	May 03, 2022
Transfer Doc	0000070484
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	16522 TRACE CHAIN LN, CHARLOTTE, NC 28278-8412
Transaction Type	Mortgage
Record Updated	Dec 05, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000118621
Date	Nov 18, 2025
Book Page	40012/423
Instrument	2025118621

Lender

Name	TRULIANT FCU
Type	Credit Union
Address	WINSTON SALEM, NC 27103

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Oct 09, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MECKLENBURG NC
Recording Date	May 09, 2022
Property Address	16522 TRACE CHAIN LN, CHARLOTTE, NC 28278-8412
Document Number	0000070484
Book / Page	37321 / 714
Instrument Date	May 03, 2022
Instrument	2022070484
Transaction Type	Transfer
Record Updated	May 25, 2023
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSINGS SVCS LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16522 TRACE CHAIN LN, CHARLOTTE, NC 28278-8412

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16522 TRACE CHAIN LN, CHARLOTTE, NC 28278-8412

Mortgage

Document Number	0000070485
Date	May 09, 2022
Instrument	2022070485

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2052

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	16522 TRACE CHAIN LN, CHARLOTTE, NC 28278-8412
Transaction Type	Mortgage
Record Updated	Jan 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000168093
Date	Dec 09, 2019
Book Page	34107/715
Instrument	2019168093

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Lending Institution
Address	PARSIPPANY, NJ 07054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 01, 2049

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Mar 13, 2017
Property Address	16522 TRACE CHAIN LN, CHARLOTTE, NC 28278-8412
Document Number	0000031841
Book / Page	31632 / 059
Instrument Date	Mar 09, 2017
Instrument	2017031841
Transaction Type	Transfer
Record Updated	Jun 15, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$530.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	00000

Mortgage

Document Number	0000031842
Date	Mar 13, 2017
Instrument	2017031842

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2047

Tax Assessment & Valuation

Source: Mecklenburg County records · Assessment roll updated September 9, 2025 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$429,600 Land $144,300 Building $285,300	$429,600 Land $144,300 Building $285,300
2024	$3,003.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Mecklenburg County (37119C), updated October 3, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 371190059261, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 10 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	10 in force

Wildfire

Wildfire Risk	Low above 20% of the US · above 24% of North Carolina
Wildfire Likelihood	About 1 in 3,030 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 213 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20

May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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