3238 Gray Moss Rd, Charlotte, NC 28270 Property Records

Mecklenburg County property record for 3238 Gray Moss Rd, Charlotte, NC 28270

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,560 sqft · built 1978
Lot Size	1.4 acres (61,202 sqft)
Owner	Individual Name on File
Last Sale	$485,000 (Nov 2018)
Tax Bill	$6,917 (2023)
Deeds & Mortgages	Nov 2022 Construction Loan May 2020 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`227-242-24`

Property Details

APN / Parcel Number

Primary APN	`227-242-24`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,560 sqft Heated Area
Gross Area	3,555 sqft
1st Floor Area	2,560 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Architectural Style	Other
Exterior Material	Composition/Composite
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	61,202 sqft (1.4 acres)

Exterior Amenities

Pool Area	648 sqft
Porch	Porch
Porch Area	390 sqft
Patio Area	252 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Old Parcel Number	227-242-24
Street Address	3238 GRAY MOSS RD
City	CHARLOTTE
State	NC
Zip	28270-0483
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	L5B2M18-123
Legal Subdivision	PROVIDENCE PLANTATION
Legal Block	2
Legal Lot Number	5B
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	2
Census Block	2004
Census Tract	5848

Owner

3238 Gray Moss Rd is owned and occupied by an individual who bought it in November 2018.

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

Owner of Record	Individual Name on File
Mailing Address	3238 GRAY MOSS RD, CHARLOTTE, NC 28270-0483
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
Nov 1, 2022	Deed of Trust, Mortgage · Construction Mortgage SOUTH STATE BANK NA
May 21, 2020	Deed of Trust, Mortgage · Line of Credit TOWER FCU
Aug 26, 2019	Deed of Trust, Mortgage · ARM SOUTH STATE BANK
Nov 15, 2018	Warranty Deed, Transfer · ARM SOUTH STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 15, 2018 · Amount on File
Deed Sale	Nov 15, 2018 · Amount on File
Deed Document Number	0033111386
Deed Book / Page	33111 / 386
Record Updated	Jun 7, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	3238 GRAY MOSS RD, CHARLOTTE, NC 28270-0483
Transaction Type	Mortgage
Record Updated	May 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3238 GRAY MOSS RD, CHARLOTTE, NC 28270-0483

Mortgage

Document Number	0000149328
Date	Nov 1, 2022
Book Page	37748/674
Instrument	2022149328

Lender

Name	SOUTH STATE BANK NA
Type	Bank
Address	CHARLESTON, SC 29406

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.12%
Type Change Date	Nov 1, 2032
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	10.1%
Index	1-Year T-Bill
Max Rate	10.1%

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	3238 GRAY MOSS RD, CHARLOTTE, NC 28270-0483
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000072390
Date	May 21, 2020
Book Page	34596/669
Instrument	2020072390

Lender

Name	TOWER FCU
Type	Credit Union
Address	LAUREL, MD 20707

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Jun 25, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	3238 GRAY MOSS RD, CHARLOTTE, NC 28270-0483
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000111254
Date	Aug 26, 2019
Book Page	33791/368
Instrument	2019111254

Lender

Name	SOUTH STATE BANK
Type	Bank
Address	29408

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.5%
Index	1-Year LIBOR
Max Rate	8.5%

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Nov 15, 2018
Property Address	3238 GRAY MOSS RD, CHARLOTTE, NC 28270-0483
Document Number	0000142844
Book / Page	33111 / 386
Map Reference	MB18 PG123
Instrument Date	Nov 14, 2018
Instrument	2018142844
Transaction Type	Transfer
Record Updated	Jun 15, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$970.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8223 ARROWSMITH LN, 8223, CHARLOTTE, NC 28270-0845

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3238 GRAY MOSS RD, CHARLOTTE, NC 28270-0483

Mortgage

Document Number	0000142845
Date	Nov 15, 2018
Instrument	2018142845

Lender

Name	SOUTH STATE BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Dec 1, 2025
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.5%
Index	1-Year LIBOR
Max Rate	9.5%

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 3238 Gray Moss Rd in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2018.

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	3 in force
Nearby Flood Claims	4 (2018–2025)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Aug 2025 · rainfall accumulation
Claims by Event	Hurricane Florence, Sep 2018 · 2 claims

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 3238 Gray Moss Rd is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · above 50% of North Carolina
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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	LAMPLIGHTER SOUTH-DANBY private · serves 3,297 people · EPA ID NC0160156
Water Source	Purchased surface water from LANCASTER COUNTY W&SD
Last State Inspection	Sep 2025
Also Mapped Here	CHARLOTTE WATER
Lead	Under 1 ppb (2026–2028) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 216 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Google Fiber Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Windstream.

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