1. Home
  2. North Carolina
  3. Mecklenburg County
  4. Charlotte
  5. Spearfield Ln

448 Spearfield Ln, Charlotte, NC 28205 Property Records

Mecklenburg County property record for 448 Spearfield Ln, Charlotte, NC 28205

Property Summary

Property TypeTownhouse
Details3 bd · 3.5 ba · 1,600 sqft · built 2023
Lot Size0.019 acres (836 sqft)
Owner2 Individual Names on Record
Last Sale$498,000 (Jul 2024)
Tax Bill$3,561 (2025)
Deeds & MortgagesMay 2026 Mortgage
Jul 2024 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN091-061-73

Property Details

APN / Parcel Number

Primary APN091-061-73

Interior

Bedrooms3 Beds
Full Baths3.5 Baths
Half Baths1 Half Bath
Stories3 Stories
Building Area1,600 sqft Living Area

Exterior

Year BuiltBuilt 2023
Effective Year BuiltEffective 2023
Architectural StyleTownhouse
Exterior MaterialConcrete
Lot Area836 sqft (0.019 acres)

Location & Zoning

Street Address448 SPEARFIELD LN
CityCHARLOTTE
StateNC
Zip28205-1485
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Townhouse
Legal DescriptionL55 M71-325
Legal SubdivisionANDERSON TOWNHOMES SUBDIVISION
Legal Lot Number55
JurisdictionMECKLENBURG NC
Township / Civil Division1, CHARLOTTE
Census Block Group1
Census Block1017
Census Tract1400

Owner

Source: Mecklenburg County records, as of June 15, 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 Record2 Individual Names on Record
Mailing Address448 SPEARFIELD LN, CHARLOTTE, NC 28205-1485
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 28, 2026Deed of Trust, Mortgage · Conventional Mortgage
COMMUNITY MORTGAGE CORPORATION
Jul 29, 2024Special Warranty Deed, Transfer · Conventional Mortgage
NVR MORTGAGE FINANCE INC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 29, 2024 · Amount on Record
Deed SaleJul 29, 2024 · Amount on Record
Prior SaleFeb 20, 2024 · Amount on Record
Deed Document Number202470646
Deed Book / Page38972 / 128
Record UpdatedSep 20, 2026

May 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMECKLENBURG NC
Recording DateMay 28, 2026
Property Address448 SPEARFIELD LN, CHARLOTTE, NC 28205-1485
Document Number0000056111
Book / Page40456 / 146
Instrument DateMay 22, 2026
Instrument202656111
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address448 SPEARFIELD LN, CHARLOTTE, NC 28205-1485
InvestorPossibly a Property Investor

Mortgage

Document Number0000056111,
DateMay 28, 2026
Book Page40456/146
Instrument202656111
Lender
NameCOMMUNITY MORTGAGE CORPORATION
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJun 1, 2056
Interest
Rate TypeFixed Rate
Rate6.23%
Initial TypeFixed Rate
Max Rate-1%

July 2024: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionMECKLENBURG NC
Recording DateJul 29, 2024
Property Address448 SPEARFIELD LN, CHARLOTTE, NC 28205-1485
Document Number0000070646
Book / Page38972 / 128
Map ReferenceMB 71 PG 325&326
Instrument DateJul 29, 2024
Instrument2024070646
Transaction TypeTransfer
Record UpdatedMay 22, 2026

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$996.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address10710 SIKES PL STE 250, 250, CHARLOTTE, NC 28277-8182

Transferred To (Grantee/Buyer)

NameVerified Name
Address448 SPEARFIELD LN, CHARLOTTE, NC 28205-1485
InvestorPossibly a Property Investor

Mortgage

Document Number0000070647
DateJul 29, 2024
Instrument2024070647
Lender
NameNVR MORTGAGE FINANCE INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueAug 1, 2054

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateNorth Carolina
CountyMecklenburg County
MunicipalityCharlotte City
Unified School DistrictCharlotte-Mecklenburg Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,561.00$457,300 Land $100,000 Building $357,300$457,300 Land $100,000 Building $357,300

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

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire RiskLow
lower than 99.1% of the US · lower than 99.5% of North Carolina
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemCHARLOTTE WATER
serves 1,206,285 people · EPA ID NC0160010
Water SourceSurface water
Last State InspectionJul 2025
LeadUnder 1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 558 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · Fixed Wireless, DSL in parts of the area		5,000 / 5,000
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
Starlink
Satellite		280 / 30
T-Mobile
Fixed Wireless		100 / 20

Nearby Properties on Spearfield Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures