Mecklenburg County property record for 316 Mill Rd, Charlotte, NC 28216
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 3,404 sqft · built 2011 |
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $266,000 (Jul 2011) |
| Tax Bill | $5,456 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Feb 2024 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 069-012-05 |
| Primary APN | 069-012-05 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,404 sqft Living Area |
| 1st Floor Area | 1,118 sqft |
| Upper Floors Area | 1,040 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2011 |
|---|---|
| Effective Year Built | Effective 2011 |
| Exterior Material | Concrete |
| Construction Type | Frame |
| Foundation Type | Raised |
| Roof Material | Other |
| Lot Area | 8,276 sqft (0.19 acres) |
| Porch | Finished/Open Porch |
| Porch Area | 414 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 316 MILL RD |
|---|---|
| City | CHARLOTTE |
| State | NC |
| Zip | 28216-5318 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-22MF |
| Legal Description | SEE 6901205 |
| Legal Block | 2 |
| Legal Lot Number | 5 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 1, CHARLOTTE |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 4700 |
316 Mill Rd is owned and occupied by two individuals who bought it in July 2011.
Source: Mecklenburg County records, as of July 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 316 MILL RD, CHARLOTTE, NC 28216-5318 |
| 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.
| Date | Document |
|---|---|
| Jul 7, 2026 | Deed of Trust, Mortgage · Conventional Mortgage THIRD FEDERAL SAVINGS AND LOANS ASSOCIATION |
| Feb 19, 2024 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Aug 25, 2022 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Apr 5, 2023 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Feb 21, 2018 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Nov 16, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 29, 2011 · Amount on File |
| Deed Sale | Jul 29, 2011 · Amount on File |
| Prior Sale | Aug 1, 2008 · Amount on File |
| Deed Document Number | 201185030 |
| Deed Book / Page | 26641 / 828 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Jul 7, 2026 |
| Property Address | 316 MILL RD, CHARLOTTE, NC 28216-5318 |
| Document Number | 0000072338 |
| Book / Page | 40555 / 914 |
| Instrument Date | Jul 2, 2026 |
| Instrument | 202672338 |
| Transaction Type | Mortgage |
| Record Updated | Jul 21, 2026 |
| Title Company | TITLE365 - OMAHA, TITLE365 |
| Name | Verified Name |
|---|---|
| Address | 316 MILL RD, CHARLOTTE, NC 28216-5318 |
| Document Number | 0000072338, |
|---|---|
| Date | Jul 7, 2026 |
| Book Page | 40555/914 |
| Instrument | 202672338 |
| Name | THIRD FEDERAL SAVINGS AND LOANS ASSOCIATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jul 8, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.79% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 316 MILL RD, CHARLOTTE, NC 28216-5318 |
| Transaction Type | Mortgage |
| Record Updated | Feb 29, 2024 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES |
| Name | Verified Name |
|---|---|
| Address | 316 MILL RD, CHARLOTTE, NC 28216-5318 |
| Document Number | 0000014060 |
|---|---|
| Date | Feb 19, 2024 |
| Book Page | 38640/86 |
| Instrument | 2024014060 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | 425 WALNUT ST, CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Jan 9, 2054 |
| Change Frequency | Monthly |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 316 MILL RD, CHARLOTTE, NC 28216-5318 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2023 |
| Name | Verified Name |
|---|---|
| Address | 316 MILL RD, CHARLOTTE, NC 28216-5318 |
| Document Number | 0000122164 |
|---|---|
| Date | Aug 25, 2022 |
| Book Page | 37597/115 |
| Instrument | 2022122164 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 479 Months |
| Due | Jul 20, 2062 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 316 MILL RD, CHARLOTTE, NC 28216-5318 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2023 |
| Name | Verified Name |
|---|---|
| Address | 316 HOLLIS RD, CHARLOTTE, NC 28209-1939 |
| Document Number | 0000030287 |
|---|---|
| Date | Apr 5, 2023 |
| Book Page | 38037/202 |
| Instrument | 2023030287 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 479 Months |
| Due | Mar 23, 2063 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 316 MILL RD, CHARLOTTE, NC 28216-5318 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000020047 |
|---|---|
| Date | Feb 21, 2018 |
| Book Page | 32478/557 |
| Instrument | 2018020047 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OSHKOSH, WI 54902 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 316 MILL RD, CHARLOTTE, NC 28216-5318 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000192258 |
|---|---|
| Date | Nov 16, 2020 |
| Book Page | 35314/590 |
| Instrument | 2020192258 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Dec 1, 2045 |
The 2025 property tax bill for 316 Mill Rd was $5,456.
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 | $5,456.00 | $688,800 Land $200,000 Building $488,800 | $688,800 Land $200,000 Building $488,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 316 Mill Rd in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1997.
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 | 4 in force |
| Nearby Flood Claims | 5 (1997–2013) |
| Claims Outside the SFHA | 3 of 5 |
| Most Recent Claim | Jul 2013 · Severe Storms, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
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.
The area around 316 Mill Rd has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 173 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 1,000 / 75 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
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