16603 Ruby Hill Pl, Charlotte, NC 28278 Property Records

Mecklenburg County property record for 16603 Ruby Hill Pl, Charlotte, NC 28278

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 4,963 sqft · built 2006
Lot Size	0.482 acres (21,017 sqft)
Owner	Individual Name on File
Last Sale	$499,000 (Jan 2007)
Tax Bill	$5,156 (2023)
Deeds & Mortgages	May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`217-162-63`

Property Details

APN / Parcel Number

Primary APN	`217-162-63`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	3 Stories
Building Area	4,963 sqft Heated Area
Gross Area	6,141 sqft
1st Floor Area	1,761 sqft
Upper Floors Area	2,324 sqft
Attic Area	878 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Architectural Style	Other
Exterior Material	Brick Veneer
Foundation Type	Raised
Lot Area	21,017 sqft (0.482 acres)
Garage Area	938 sqft

Exterior Amenities

Porch	Porch
Porch Area	240 sqft
Deck Area	288 sqft
Patio Area	332 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	217-162-63
Street Address	16603 RUBY HILL PL
City	CHARLOTTE
State	NC
Zip	28278-8422
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MX-3
Legal Description	L45 BD M45-15
Legal Subdivision	PALISADES PH 03 MAP 04
Legal Block	D
Legal Lot Number	45
Jurisdiction	MECKLENBURG NC
Township / Civil Division	3, STEELE CREEK
Census Block Group	1
Census Block	1036
Census Tract	5926

Owner

Source: Mecklenburg County records · APN 217-162-63

Assessment roll updated January 1, 2023 · Last verified June 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 File
Co-owner	Verified Secondary Owner
Mailing Address	16603 RUBY HILL PL, CHARLOTTE, NC 28278-8422
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 11, 2007 · Amount on Record
Deed Sale	Jan 11, 2007 · Amount on Record
Prior Sale	May 04, 2006 · Amount on Record
Deed Document Number	0000216295
Deed Book / Page	21629 / 5
Record Updated	Jun 07, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	16603 RUBY HILL PL, CHARLOTTE, NC 28278-8422
Transaction Type	Mortgage
Record Updated	Aug 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000071407
Date	May 19, 2020
Book Page	34590/281
Instrument	2020071407

Lender

Name	MCLEAN MORTGAGE CORP
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 01, 2035

Tax Assessment & Valuation

Source: Mecklenburg County records · Assessment roll updated January 1, 2023 · Last verified June 2023

Property Jurisdictions

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

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 3, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 10 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	10 in force

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.02% annual chance
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 as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Comporium.

Based on FCC filings for 122 locations within half a mile of this property.

Cell Coverage

5G and 4G LTE (outdoors only)

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CHARLOTTE WATER serves 1,206,285 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.