3122 Cramer Pond Dr, Charlotte, NC 28205 Property Records

Mecklenburg County property record for 3122 Cramer Pond Dr, Charlotte, NC 28205

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,597 sqft · built 2018
Lot Size	0.248 acres (10,814 sqft)
Owner	Individual Name on File
Last Sale	$1,250,000 (Feb 2021)
Tax Bill	$15,611 (2023)
Deeds & Mortgages	Feb 2021 Sale Apr 2018 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`095-043-61`

Property Details

APN / Parcel Number

Primary APN	`095-043-61`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	3,597 sqft Heated Area
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	10,814 sqft (0.248 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	095-043-61
Street Address	3122 CRAMER POND DR
City	CHARLOTTE
State	NC
Zip	28205-3100
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L12 M62-863
Legal Subdivision	CRAMERS POND
Legal Lot Number	12
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	3
Census Block	3021
Census Tract	1200

Owner

3122 Cramer Pond Dr is owned and occupied by an individual who bought it in February 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	3122 CRAMER POND DR, CHARLOTTE, NC 28205-3100
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
Feb 16, 2021	Warranty Deed, Transfer BARRISTERS TITLE SERVICES/THE CARO, BARRISTERS TTL SVCS OF CAROL
Apr 13, 2018	Deed of Trust, Mortgage · Line of Credit SELECT BANK & TRUST CO
Oct 7, 2019	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Jul 24, 2019	Warranty Deed, Subdivision Related Transfer · ARM WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 16, 2021 · Amount on File
Deed Sale	Feb 16, 2021 · Amount on File
Prior Sale	Jul 24, 2019 · Amount on File
Deed Document Number	0035678737
Deed Book / Page	35678 / 737
Record Updated	Jun 7, 2026

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Feb 16, 2021
Property Address	3122 CRAMER POND DR, CHARLOTTE, NC 28205-3100
Document Number	0000029703
Book / Page	35678 / 737
Map Reference	MB 62 PG 863
Instrument Date	Feb 16, 2021
Instrument	2021029703
Transaction Type	Transfer
Record Updated	May 25, 2023
Title Company	BARRISTERS TITLE SERVICES/THE CARO, BARRISTERS TTL SVCS OF CAROL

Transaction

Amount	Amount on Record
Tax	$2,500.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3005 MANOR RD, CHARLOTTE, NC 28209-2249

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3122 CRAMER POND DR, CHARLOTTE, NC 28205-3100

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	3122 CRAMER POND DR, CHARLOTTE, NC 28205-3100
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000044209
Date	Apr 13, 2018
Book Page	32601/095
Instrument	2018044209

Lender

Name	SELECT BANK & TRUST CO
Type	Bank
Address	DUNN, NC 28335

Agreement

Type	Line of Credit
Amount	Amount on Record

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	3122 CRAMER POND DR, CHARLOTTE, NC 28205-3100
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000134042
Date	Oct 7, 2019
Book Page	33919/603
Instrument	2019134042

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 25, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Jul 24, 2019
Property Address	3122 CRAMER POND DR, CHARLOTTE, NC 28205-3100
Document Number	0000093893
Book / Page	33694 / 704
Map Reference	MB 62 PG 863
Instrument Date	Jul 22, 2019
Instrument	2019093893
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 15, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,430.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1111 CENTRAL AVE STE 320, 1111, CHARLOTTE, NC 28204-2257

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3122 CRAMER POND DR, CHARLOTTE, NC 28205-3100

Mortgage

Document Number	0000093894
Date	Jul 24, 2019
Instrument	2019093894

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.12%
Index	1-Year LIBOR
Max Rate	8.12%

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

FEMA maps place 3122 Cramer Pond Dr in Zone X, an area of minimal flood risk, though there have been 30 flood claims nearby since 1979.

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

Wildfire risk around 3122 Cramer Pond Dr 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 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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