3246 Gray Moss Rd, Charlotte, NC 28270 Property Records

Mecklenburg County property record for 3246 Gray Moss Rd, Charlotte, NC 28270

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,950 sqft · built 1978
Lot Size	1.42 acres (61,855 sqft)
Owner	Individual Name on File
Last Sale	$900,000 (Aug 2026)
Tax Bill	$6,021 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Mar 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`227-242-25`

Property Details

APN / Parcel Number

Primary APN	`227-242-25`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,950 sqft Living Area
Gross Area	3,526 sqft
1st Floor Area	1,734 sqft
Upper Floors Area	1,216 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 2005
Exterior Material	Wood
Construction Type	Frame
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Other
Lot Area	61,855 sqft (1.42 acres)
Garage Type	Attached
Garage Area	576 sqft
Porch	Finished/Open Porch
Porch Area	150 sqft
Deck Area	360 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Street Address	3246 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	L6 B2 M18-180
Legal Subdivision	PROVIDENCE PLANTATION 06
Legal Block	2
Legal Lot Number	6
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	2
Census Block	2004
Census Tract	5848

Owner

3246 Gray Moss Rd is owned and occupied by an individual who bought it in August 2026.

Source: Mecklenburg County records, as of August 27, 2026

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
Mailing Address	3246 GRAY MOSS RD, CHARLOTTE, NC 28270-0483
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2026	Warranty Deed, Transfer · Conventional Mortgage BANK OF ENGLAND
Mar 12, 2026	Warranty Deed, Transfer · Commercial Mortgage CAPITAL FUND I LLC
Sep 22, 2020	Warranty Deed, Transfer · Conventional Mortgage ACC MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 12, 2026 · Amount on File
Deed Sale	Aug 12, 2026 · Amount on File
Prior Sale	Mar 12, 2026 · Amount on File
Deed Document Number	202686731
Deed Book / Page	40641 / 712
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Aug 12, 2026
Property Address	3246 GRAY MOSS RD, CHARLOTTE, NC 28270-0483
Document Number	0000086731
Book / Page	40641 / 712
Instrument Date	Aug 6, 2026
Instrument	202686731
Transaction Type	Transfer
Record Updated	Aug 27, 2026
Title Company	CARDINAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$181,800.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3246 GRAY MOSS RD, CHARLOTTE, NC 28270-0483

Mortgage

Document Number	0000086732,
Date	Aug 12, 2026
Book Page	40641/714
Instrument	202686732

Lender

Name	BANK OF ENGLAND

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Mar 12, 2026
Property Address	3246 GRAY MOSS RD, CHARLOTTE, NC 28270-0483
Document Number	0000024833
Book / Page	40262 / 261
Map Reference	MB 18 PG 180
Instrument Date	Mar 11, 2026
Instrument	2026024833
Transaction Type	Transfer
Record Updated	Mar 23, 2026
Title Company	FOREHAND TITLE COMPANY, MOREHEAD TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,700.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14901 COPPER RIDGE TRL, CHARLOTTE, NC 28273-9123

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	420 S TOMAHAWK RD, APACHE JUNCTION, AZ 85119-5422

Mortgage

Document Number	0000024834
Date	Mar 12, 2026
Instrument	2026024834

Lender

Name	CAPITAL FUND I LLC
Type	Funding / Finance Company

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Sep 22, 2020
Property Address	3246 GRAY MOSS RD, CHARLOTTE, NC 28270-0483
Document Number	0000153546
Book / Page	35083 / 226
Map Reference	MB 18 PG 180
Instrument Date	Sep 21, 2020
Instrument	2020153546
Transaction Type	Transfer
Record Updated	Jun 15, 2021
Title Company	SOUTH LAKE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,100.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9240 WIND CAVE ST, 9240, LANCASTER, SC 29720-0374

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3246 GRAY MOSS RD, CHARLOTTE, NC 28270-0483

Mortgage

Document Number	0000153547
Date	Sep 22, 2020
Instrument	2020153547

Lender

Name	ACC MORTGAGE INC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 3246 Gray Moss Rd was $6,021, up 4.3% from the year before.

Source: Mecklenburg County assessment roll, as of September 9, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,021.00 (+4.3%)	$762,500 Land $367,500 Building $395,000	$762,500 Land $367,500 Building $395,000
2024	$5,773.00
2023			$762,500 Land $367,500 Building $395,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3246 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 3246 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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