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4500 Rosecliff Dr, Charlotte, NC 28277 Property Records

Mecklenburg County property record for 4500 Rosecliff Dr, Charlotte, NC 28277

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 3,168 sqft · built 1990
Lot Size0.39 acres (16,988 sqft)
Owner2 Individual Names on Record
Last Sale$757,000 (Jun 2022)
Tax Bill$6,322 (2025)
Deeds & MortgagesFeb 2026 Sale
Jan 2026 Transfer
+ 3 more
Flood ZoneZone X (minimal risk)
APN225-072-20

Property Details

APN / Parcel Number

Primary APN225-072-20

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area3,168 sqft Living Area
Gross Area3,674 sqft
1st Floor Area1,340 sqft
Upper Floors Area1,584 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1990
Effective Year BuiltEffective 2010
Exterior MaterialBrick
Construction TypeFrame
Foundation TypeNo Foundation
Roof TypeHip
Roof MaterialOther
Lot Area16,988 sqft (0.39 acres)
Garage TypeAttached
Garage Area506 sqft
Deck Area40 sqft
Patio Area404 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Street Address4500 ROSECLIFF DR
CityCHARLOTTE
StateNC
Zip28277-8660
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-3
Legal DescriptionL80 M22-338
Legal SubdivisionROSECLIFF
Legal Block2
Legal Lot Number80
JurisdictionMECKLENBURG NC
Township / Civil Division1, CHARLOTTE
Census Block Group1
Census Block1004
Census Tract5815

Owner

Source: Mecklenburg County records, as of August 17, 2026

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

Owner of Record2 Individual Names on Record
Mailing Address4500 ROSECLIFF DR, CHARLOTTE, NC 28277-8660
OccupancyOwner Occupied
Owner TypeIndividual
VestingHis Wife

Deeds, Mortgages & Sale History

DateDocument
Feb 3, 2026Warranty Deed, Transfer
Jan 6, 2026Quit Claim Deed, Transfer
UNKNOWN, 24 HOUR CLOSING
Dec 10, 2025Deed of Trust, Mortgage · Stand-Alone Second Mortgage
LOWER LLC
Oct 9, 2025Quit Claim Deed, Transfer
Quitclaim
Jun 16, 2022Warranty Deed, Transfer · Conventional Mortgage
AMERISAVE MORTGAGE CORP

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 16, 2022 · Amount on Record
Deed SaleJun 16, 2022 · Amount on Record
Prior SaleJun 1, 2006 · Amount on Record
Deed Document Number202290622
Deed Book / Page37430 / 345
Last Transfer DateOct 9, 2025
Transfer Doc0000103659
Record UpdatedSep 20, 2026

February 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMECKLENBURG NC
Recording DateFeb 3, 2026
Property Address4500 ROSECLIFF DR, CHARLOTTE, NC 28277-8660
Document Number0000010327
Book / Page40173 / 237
Map ReferenceMB 22 PG 338
Instrument DateJan 30, 2026
Instrument2026010327
Transaction TypeTransfer
Record UpdatedFeb 11, 2026

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name

January 2026: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionMECKLENBURG NC
Recording DateJan 6, 2026
Property Address4500 ROSECLIFF DR, CHARLOTTE, NC 28277-8660
Document Number0000001018
Book / Page40120 / 685
Map ReferenceMB 22 PG 338
Instrument DateJan 5, 2026
Instrument2026001018
Transaction TypeTransfer
Record UpdatedJan 16, 2026
Title CompanyUNKNOWN, 24 HOUR CLOSING

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address227 W 4TH ST, CHARLOTTE, NC 28202-1545

Transferred To (Grantee/Buyer)

NameVerified Name
Address4500 ROSECLIFF DR, CHARLOTTE, NC 28277-8660

December 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMECKLENBURG NC
Property Address4500 ROSECLIFF DR, CHARLOTTE, NC 28277-8660
Transaction TypeMortgage
Record UpdatedDec 25, 2025
Title CompanySUMMIT TITLE SERVICES LLC, SUMMIT STLMT SERVICES LLC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000126673
DateDec 10, 2025
Book Page40061/903
Instrument2025126673
Lender
NameLOWER LLC
TypeMortgage Company
AddressCOLUMBIA, MD 21044
Agreement
TypeStand-Alone Second Mortgage
AmountAmount Recorded
Term361 Months
DueJan 1, 2056

October 2025: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionMECKLENBURG NC
Recording DateOct 9, 2025
Property Address4500 ROSECLIFF DR, CHARLOTTE, NC 28277-8660
Document Number0000103659
Book / Page39921 / 653
Map ReferenceMB 22 PG 338
Instrument DateOct 9, 2025
Instrument2025103659
Transaction TypeTransfer
Record UpdatedOct 22, 2025

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address8480 HONEYCUTT RD STE 200, 200, RALEIGH, NC 27615-2261

Transferred To (Grantee/Buyer)

NameVerified Name
Address4500 ROSECLIFF DR, CHARLOTTE, NC 28277-8660

June 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMECKLENBURG NC
Recording DateJun 16, 2022
Property Address4500 ROSECLIFF DR, CHARLOTTE, NC 28277-8660
Document Number0000090622
Book / Page37430 / 345
Map ReferenceMB 22 PG 338
Instrument DateJun 7, 2022
Instrument2022090622
Transaction TypeTransfer
Record UpdatedMay 25, 2023
Title CompanyBARRISTERS TITLE SERVICES/THE CARO, BARRISTERS TTL SVCS OF CAROL

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,514.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 305, ROARING GAP, NC 28668-0305

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address4500 ROSECLIFF DR, CHARLOTTE, NC 28277-8660

Mortgage

Document Number0000090623
DateJun 16, 2022
Instrument2022090623
Lender
NameAMERISAVE MORTGAGE CORP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJul 1, 2052

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$6,322.00 (+5.33%)$801,700 Land $205,000 Building $596,700$801,700 (-) Land $205,000 Building $596,700
2024$6,002.00
2023$801,700 Land $205,000 Building $596,700

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 2 (40% premium discount)
Nearby Flood Policies9 in force
Nearby Flood Claims3 (1978–2024)
Claims Outside the SFHA2 of 3
Most Recent ClaimSep 2024 · rainfall accumulation

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 RiskLow
lower than 95% of the US · lower than 97.4% of North Carolina
Wildfire Likelihood0.02% 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 153 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Google Fiber
Fiber		8,000 / 8,000
AT&T
Fiber		5,000 / 5,000
Spectrum
Cable		1,000 / 1,000
T-Mobile
Fixed Wireless		100 / 20

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