16604 Turtle Point Rd, Charlotte, NC 28278 Property Records

Mecklenburg County property record for 16604 Turtle Point Rd, Charlotte, NC 28278

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 4,334 sqft · built 2005
Lot Size	0.286 acres (12,488 sqft)
Owner	Individual Name on File
Last Sale	$562,500 (Oct 2021)
Tax Bill	$4,531 (2023)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Feb 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`217-162-47`

Property Details

APN / Parcel Number

Primary APN	`217-162-47`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	4,334 sqft Heated Area
Gross Area	5,024 sqft
1st Floor Area	1,934 sqft
Upper Floors Area	2,400 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Architectural Style	Other
Exterior Material	Brick Veneer
Foundation Type	Raised
Lot Area	12,488 sqft (0.286 acres)
Garage Area	522 sqft
Porch	Porch
Porch Area	168 sqft
Patio Area	36 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	217-162-47
Street Address	16604 TURTLE POINT RD
City	CHARLOTTE
State	NC
Zip	28278-8425
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MX-3
Legal Description	L29 B4 M42-521
Legal Subdivision	PALISADES PH 03 MAP 01
Legal Block	4
Legal Lot Number	29
Jurisdiction	MECKLENBURG NC
Township / Civil Division	3, STEELE CREEK
Census Block Group	1
Census Block	1036
Census Tract	5926

Owner

16604 Turtle Point Rd is owned and occupied by an individual who bought it in October 2021.

Source: Mecklenburg County records, as of May 24, 2023

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	16604 TURTLE POINT RD, CHARLOTTE, NC 28278-8425
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 13, 2021	Warranty Deed, Transfer · Conventional Mortgage WOLFE FINANCIAL INC
Feb 17, 2017	Deed of Trust, Mortgage · Line of Credit PNC BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 13, 2021 · Amount on File
Deed Sale	Oct 13, 2021 · Amount on File
Prior Sale	Aug 29, 2005 · Amount on File
Deed Document Number	0036641341
Deed Book / Page	36641 / 341
Record Updated	Jun 7, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Oct 13, 2021
Property Address	16604 TURTLE POINT RD, CHARLOTTE, NC 28278-8425
Document Number	0000196095
Book / Page	36641 / 341
Map Reference	MB 42 PG 521
Instrument Date	Sep 4, 2021
Instrument	2021196095
Transaction Type	Transfer
Record Updated	May 25, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,125.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16604 TURTLE POINT RD, CHARLOTTE, NC 28278-8425

Mortgage

Document Number	0000196096
Date	Oct 13, 2021
Instrument	2021196096

Lender

Name	WOLFE FINANCIAL INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	16604 TURTLE POINT RD, CHARLOTTE, NC 28278-8425
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021333
Date	Feb 17, 2017
Book Page	31577/083
Instrument	2017021333

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Feb 8, 2057

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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)

Flood

FEMA maps place 16604 Turtle Point Rd 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
Flood Insurance Cost	Premium on File median of 10 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	10 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 16604 Turtle Point Rd is low, with a 0.02% 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	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T Fiber	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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