3107 Cramer Pond Dr, Charlotte, NC 28205 Property Records

Mecklenburg County property record for 3107 Cramer Pond Dr, Charlotte, NC 28205

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,394 sqft · built 2019
Lot Size	0.228 acres (9,951 sqft)
Owner	Individual Name on File
Last Sale	$1,300,000 (Apr 2022)
Tax Bill	$12,160 (2023)
Deeds & Mortgages	Nov 2025 Line of Credit Apr 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`095-043-51`

Property Details

APN / Parcel Number

Primary APN	`095-043-51`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,394 sqft Heated Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	9,951 sqft (0.228 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	095-043-51
Street Address	3107 CRAMER POND DR
City	CHARLOTTE
State	NC
Zip	28205-3133
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L2 M62-863
Legal Subdivision	CRAMERS POND SUB
Legal Lot Number	2
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	3
Census Block	3023
Census Tract	1200

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	3107 CRAMER POND DR, CHARLOTTE, NC 28205-3133
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2025	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Apr 27, 2022	Warranty Deed, Transfer · VA Mortgage AMERICAN SECURITY MORTGAGE CORP
Apr 15, 2020	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Feb 26, 2019	Special Warranty Deed, Transfer · Line of Credit SELECT BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 27, 2022 · Amount on File
Deed Sale	Apr 27, 2022 · Amount on File
Prior Sale	Apr 15, 2020 · Amount on File
Deed Document Number	0037287113
Deed Book / Page	37287 / 113
Record Updated	Jun 7, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	3107 CRAMER POND DR, CHARLOTTE, NC 28205-3133
Transaction Type	Mortgage
Record Updated	Dec 5, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3107 CRAMER POND DR, CHARLOTTE, NC 28205-3133

Mortgage

Document Number	0000117903
Date	Nov 17, 2025
Book Page	40008/462
Instrument	2025117903

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	481 Months
Due	Dec 1, 2065

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Apr 27, 2022
Property Address	3107 CRAMER POND DR, CHARLOTTE, NC 28205-3133
Document Number	0000064256
Book / Page	37287 / 113
Map Reference	MB 62 PG 863
Instrument Date	Apr 20, 2022
Instrument	2022064256
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	$2,600.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	46 BIRDSONG PKWY, ORCHARD PARK, NY 14127-3068

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3107 CRAMER POND DR, CHARLOTTE, NC 28205-3133

Mortgage

Document Number	0000064257
Date	Apr 27, 2022
Instrument	2022064257

Lender

Name	AMERICAN SECURITY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Apr 15, 2020
Property Address	3107 CRAMER POND DR, CHARLOTTE, NC 28205-3133
Document Number	0000052639
Book / Page	34472 / 368
Map Reference	MB 61 PG 931
Instrument Date	Apr 15, 2020
Instrument	2020052639
Transaction Type	Transfer
Record Updated	Jun 15, 2021
Title Company	BARRISTERS TTL SVCS OF CAROL

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,990.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3111 CRAMER POND DR, 3111, CHARLOTTE, NC 28205-3133

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3107 CRAMER POND DR, CHARLOTTE, NC 28205-3133

Mortgage

Document Number	0000052640
Date	Apr 15, 2020
Instrument	2020052640

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

February 2019: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Feb 26, 2019
Property Address	3107 CRAMER POND DR, CHARLOTTE, NC 28205-3133
Document Number	0000021094
Book / Page	33308 / 966
Map Reference	MB 61 PG 931
Instrument Date	Feb 25, 2019
Instrument	2019021094
Transaction Type	Transfer
Record Updated	Jun 15, 2021

Transaction

Amount	Amount on Record
Tax	$550.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4530 PARK RD # 490, 4530, CHARLOTTE, NC 28209-3716

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4303 CANTEY PL, CHARLOTTE, NC 28211-0404

Mortgage

Document Number	0000021095
Date	Feb 26, 2019
Instrument	2019021095

Lender

Name	SELECT BANK & TRUST CO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Tax Assessment & Valuation

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

Property Jurisdictions

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

Flood

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 16 policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	30 (1979–2021)
Claims Outside the SFHA	6 of 30
Most Recent Claim	Mar 2021 · rainfall accumulation

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 95% of North Carolina
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	1,000 / 75
T-Mobile Fixed Wireless	100 / 20

May also be available: Google Fiber.

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