4100 Old Stone Rd, Charlotte, NC 28226 Property Records

Mecklenburg County property record for 4100 Old Stone Rd, Charlotte, NC 28226

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,215 sqft · built 1976
Lot Size	0.39 acres (16,988 sqft)
Owner	2 Individual Names on Record
Last Sale	$365,000 (May 2014)
Tax Bill	$4,382 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Apr 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`209-164-03`

Property Details

APN / Parcel Number

Primary APN	`209-164-03`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,215 sqft Living Area
1st Floor Area	1,476 sqft
Upper Floors Area	739 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 2010
Exterior Material	Other
Construction Type	Frame
Foundation Type	Raised
Roof Type	Gable
Roof Material	Other
Lot Area	16,988 sqft (0.39 acres)
Porch	Finished/Screened Porch
Porch Area	256 sqft
Patio Area	364 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	4100 OLD STONE RD
City	CHARLOTTE
State	NC
Zip	28226-7118
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	L12 B2 M15-561
Legal Subdivision	ROCKBRIDGE
Legal Block	2
Legal Lot Number	12
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	2
Census Block	2011
Census Tract	3019

Owner

Source: Mecklenburg County records, as of July 28, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	4100 OLD STONE RD, CHARLOTTE, NC 28226-7118
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 22, 2014 · Amount on Record
Deed Sale	May 22, 2014 · Amount on Record
Prior Sale	Aug 4, 2008 · Amount on Record
Deed Document Number	201456293
Deed Book / Page	29193 / 222
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Recording Date	Jul 15, 2026
Property Address	4100 OLD STONE RD, CHARLOTTE, NC 28226-7118
Document Number	0000075329
Book / Page	40572 / 498
Instrument Date	Jul 10, 2026
Instrument	202675329
Transaction Type	Mortgage
Record Updated	Jul 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4100 OLD STONE RD, CHARLOTTE, NC 28226-7118

Mortgage

Document Number	0000075329,
Date	Jul 15, 2026
Book Page	40572/498
Instrument	202675329

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.52%
Initial Type	Fixed Rate
Max Rate	-1%

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	4100 OLD STONE RD, CHARLOTTE, NC 28226-7118
Document Number	0000059143
Instrument Date	Apr 20, 2020
Transaction Type	Mortgage
Record Updated	Jun 5, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4100 OLD STONE RD CHARLOTTE NC 282267118, CHARLOTTE, NC 28226-7118

Mortgage

Document Number	0000059143
Date	Apr 28, 2020
Book Page	034513/000733
Instrument	59143

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 27, 2050

Tax Assessment & Valuation

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	$4,382.00	$548,700 Land $175,000 Building $373,700	$548,700 Land $175,000 Building $373,700

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

Flood

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	2 (2008–2012)
Most Recent Claim	Jul 2012 · other causes

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

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

Wildfire Risk	Low lower than 97% of the US · lower than 98.5% of North Carolina
Wildfire Likelihood	0.01% 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 158 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Google Fiber.

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