Mecklenburg County property record for 3109 Rea Rd, Charlotte, NC 28226
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4.5 ba · 2,954 sqft · built 1987 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $325,000 (Jul 2014) |
| Tax Bill | $4,648 (2025) |
| Deeds & Mortgages | Mar 2026 Transfer Nov 2017 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 211-311-55 |
| Primary APN | 211-311-55 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,954 sqft Living Area |
| Gross Area | 3,458 sqft |
| 1st Floor Area | 1,029 sqft |
| Upper Floors Area | 1,925 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 11,326 sqft (0.26 acres) |
| Garage Type | Attached |
| Garage Area | 504 sqft |
| Deck Area | 327 sqft |
| Patio Area | 56 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Street Address | 3109 REA RD |
|---|---|
| City | CHARLOTTE |
| State | NC |
| Zip | 28226-3097 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3 |
| Legal Description | L27 M21-301 |
| Legal Subdivision | FOXGLOVE |
| Legal Block | 1 |
| Legal Lot Number | 27 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 1, CHARLOTTE |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 3018 |
Source: Mecklenburg County records, as of June 30, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 3109 REA RD, CHARLOTTE, NC 28226-3097 |
| Owner Type | Company |
| Vesting | Trust, Revocable Living Trust |
| Date | Document |
|---|---|
| Mar 11, 2026 | Intrafamily Transfer, Transfer |
| Nov 2, 2017 | Deed of Trust, Mortgage · Line of Credit PINNACLE BANK |
| Jul 31, 2020 | Deed of Trust, Mortgage · Line of Credit COGENT BANK |
| Dec 23, 2019 | Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 3, 2014 · Amount on Record |
| Deed Sale | Jul 3, 2014 · Amount on Record |
| Prior Sale | Jan 24, 2008 · Amount on Record |
| Deed Document Number | 201475786 |
| Deed Book / Page | 29292 / 18 |
| Last Transfer Date | Nov 22, 2024 |
| Transfer Doc | 0000015144 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Mar 11, 2026 |
| Property Address | 3109 REA RD, CHARLOTTE, NC 28226-3097 |
| Document Number | 0000024430 |
| Book / Page | 40260 / 70 |
| Map Reference | MB 21 PG 301 |
| Instrument Date | Mar 4, 2026 |
| Instrument | 2026024430 |
| Transaction Type | Transfer |
| Record Updated | Mar 23, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Living Trust |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 3109 REA RD, CHARLOTTE, NC 28226-3097 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000149209 |
|---|---|
| Date | Nov 2, 2017 |
| Book Page | 32247/149 |
| Instrument | 2017149209 |
| Name | PINNACLE BANK |
|---|---|
| Type | Bank |
| Address | THOMASVILLE, NC 27361 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 3109 REA RD, CHARLOTTE, NC 28226-3097 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000118876 |
|---|---|
| Date | Jul 31, 2020 |
| Book Page | 34880/828 |
| Instrument | 2020118876 |
| Name | COGENT BANK |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28210 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jul 2, 2040 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 3109 REA RD, CHARLOTTE, NC 28226-3097 |
| Document Number | 0000178441 |
| Instrument Date | Dec 23, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 11, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3109 REA RD CHARLOTTE NC 282263097, CHARLOTTE, NC 28226-3097 |
| Document Number | 0000178441 |
|---|---|
| Date | Dec 30, 2019 |
| Book Page | 034168/000535 |
| Instrument | 178441 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 29, 2049 |
Source: Mecklenburg County assessment roll, as of September 9, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mecklenburg County |
| Municipality | Charlotte City |
| Unified School District | Charlotte-Mecklenburg Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,648.00 (+1.68%) | $583,400 Land $140,000 Building $443,400 | $583,400 (-) Land $140,000 Building $443,400 |
| 2024 | $4,571.00 | ||
| 2023 | $583,400 Land $140,000 Building $443,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Community Rating System | Class 2 (40% premium discount) |
| Nearby Flood Policies | 9 in force |
| Nearby Flood Claims | 2 (1996–2014) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Jul 2014 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 97.9% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 300 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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