Mecklenburg County property record for 16649 Ruby Hill Pl, Charlotte, NC 28278 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 5 Beds |
| Bathrooms | 4 Baths |
| Year Built | Built 2006 |
| Square Footage | 3,988 sqft Living Area |
| Lot Size | 12,415 sqft (0.285 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $487,000 (2007) |
| Tax Bill | $4,931.00 (2025) |
Source: Mecklenburg County records · APN 217-162-53
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 | 16649 RUBY HILL PL, CHARLOTTE, NC 28278-8422 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jul 28, 2026 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Nov 13, 2023 | Deed of Trust, Mortgage · Line of Credit REGIONS BANK |
| Jan 24, 2022 | Deed of Trust, Mortgage · Conventional Mortgage LOAN PRONTO INC |
| Mar 09, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Oct 17, 2018 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 19, 2007 · Amount on Record |
| Deed Sale | Mar 19, 2007 · Amount on Record |
| Prior Sale | May 11, 2006 · Amount on Record |
| Deed Doc Number | 200754460 |
| Deed Book / Page | 21933 / 947 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Jul 28, 2026 |
| Property Address | 16649 RUBY HILL PL, CHARLOTTE, NC 28278-8422 |
| Document Number | 0000080201 |
| Book / Page | 40602 / 234 |
| Instrument Date | Jul 23, 2026 |
| Instrument | 202680201 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Document Number | 0000080201, |
|---|---|
| Date | Jul 28, 2026 |
| Book Page | 40602/234 |
| Instrument | 202680201 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.49% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 16649 RUBY HILL PL, CHARLOTTE, NC 28278-8422 |
| Transaction Type | Mortgage |
| Record Updated | Nov 22, 2023 |
| Name | Verified Name |
|---|---|
| Address | 16645 RUBY HILL PL, CHARLOTTE, NC 28278-8422 |
| Document Number | 0000106834 |
|---|---|
| Date | Nov 13, 2023 |
| Book Page | 38477/866 |
| Instrument | 2023106834 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35244 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Dec 01, 2038 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 16649 RUBY HILL PL, CHARLOTTE, NC 28278-8422 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000011752 |
|---|---|
| Date | Jan 24, 2022 |
| Book Page | 36993/19 |
| Instrument | 2022011752 |
| Name | LOAN PRONTO INC |
|---|---|
| Type | Non-Lending Institution |
| Address | CHARLOTTE, NC 28208 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 16649 RUBY HILL PL, CHARLOTTE, NC 28278-8422 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000045596 |
|---|---|
| Date | Mar 09, 2021 |
| Book Page | 35776/788 |
| Instrument | 2021045596 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 16649 RUBY HILL PL, CHARLOTTE, NC 28278-8422 |
| Document Number | 0000133801 |
| Instrument Date | Oct 17, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 16, 2018 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 16649 RUBY HILL PL CHARLOTTE NC 282788422, CHARLOTTE, NC 28278-8422 |
| Document Number | 0000133801 |
|---|---|
| Date | Oct 24, 2018 |
| Book Page | 033063/000315 |
| Instrument | 133801 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 23, 2048 |
Source: Mecklenburg County records · Assessment roll updated September 9, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mecklenburg County |
| Unified School District | Charlotte-Mecklenburg Schools (PK - 12) |
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 | $4,931.00 | $699,400 Land $125,000 Building $574,400 | $699,400 Land $125,000 Building $574,400 |
Source: FEMA National Flood Hazard Layer, Mecklenburg County (37119C), updated October 3, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 20% of the US · above 24% of North Carolina |
|---|---|
| Wildfire Likelihood | About 1 in 5,556 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
| Primary APN | 217-162-53 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Building Area | 3,988 sqft Living Area |
| 1st Floor | 1,776 sqft 1st Floor |
| Upper Floors | 2,212 sqft Upper Floors |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Brick Exterior |
| Foundation Type | No Foundation Foundation |
| Lot Area | 12,415 sqft (0.285 acres) |
| Garage Area | 546 sqft Garage |
| Deck Area | 168 sqft Deck |
| Porch Area | 148 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Heating Fuel | Gas Heating Fuel |
| Street Address | 16649 RUBY HILL PL |
|---|---|
| City | CHARLOTTE |
| State | NC |
| Zip | 28278-8422 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | L35 BD M45-15 |
| Legal Subdivision | PALISADES PH 03 MAP 04 |
| Legal Block | D |
| Legal Lot Number | 35 |
| Jurisdiction | MECKLENBURG NC |
| Minor Civil Division | 3, STEELE CREEK |
| Census Blockgroup | 1 |
| Census Block | 1036 |
| Census Tract | 5926 |
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