Mecklenburg County property record for 4601 Carmel Rd, Charlotte, NC 28226
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 4,258 sqft · built 1977 |
| Lot Size | 1.1 acres (48,173 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $442,000 (Dec 2019) |
| Deeds & Mortgages | Mar 2026 Line of Credit Oct 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 211-173-16 |
| Primary APN | 211-173-16 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 4,258 sqft Living Area |
| Gross Area | 4,782 sqft |
| 1st Floor Area | 2,139 sqft |
| Upper Floors Area | 1,547 sqft |
| Basement Area | 572 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Brick |
| Construction Type | Frame |
| Foundation Type | Raised |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 48,173 sqft (1.1 acres) |
| Garage Type | Attached |
| Garage Area | 524 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 16 sqft |
| Patio Area | 451 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 4601 CARMEL RD |
|---|---|
| City | CHARLOTTE |
| State | NC |
| Zip | 28226-7243 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3 |
| Legal Block | 3 |
| Legal Lot Number | 16 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 1, CHARLOTTE |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 3020 |
Source: Mecklenburg County records, as of May 21, 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 | 4601 CARMEL RD, CHARLOTTE, NC 28226-7243 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 27, 2026 | Deed of Trust, Mortgage · Line of Credit REGIONS BANK |
| Oct 6, 2022 | Deed of Trust, Mortgage · Commercial Mortgage FIRST CITIZENS BANK AND TRUST CO INC |
| Mar 2, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA |
| Dec 6, 2019 | Warranty Deed, Construction Loan · Construction Mortgage SOUTH STATE BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 6, 2019 · Amount on Record |
| Deed Sale | Dec 6, 2019 · Amount on Record |
| Prior Sale | Mar 26, 1986 · Amount on Record |
| Deed Document Number | 2019167101 |
| Deed Book / Page | 34102 / 228 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 4601 CARMEL RD, CHARLOTTE, NC 28226-7243 |
| Transaction Type | Mortgage |
| Record Updated | Apr 6, 2026 |
| Name | Verified Name |
|---|---|
| Address | 4601 CARRUEL RD, CHARLOTTE, NC 28226 |
| Document Number | 0000030587 |
|---|---|
| Date | Mar 27, 2026 |
| Book Page | 40297/505 |
| Instrument | 2026030587 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35244 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 6, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 4601 CARMEL RD, CHARLOTTE, NC 28226-7243 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2023 |
| Title Company | STEWART TITLE, STEWART TTL GUARANTY NON CA |
| Name | Verified Name |
|---|---|
| Address | 4601 CARMEL RD, CHARLOTTE, NC 28226-7243 |
| Document Number | 0000139888 |
|---|---|
| Date | Oct 6, 2022 |
| Book Page | 37697/777 |
| Instrument | 2022139888 |
| Name | FIRST CITIZENS BANK AND TRUST CO INC |
|---|---|
| Type | Bank |
| Address | RALEIGH, NC 27611 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 4601 CARMEL RD, CHARLOTTE, NC 28226-7243 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2023 |
| Title Company | MORTGAGE CONNECT LP, MORTGAGE CONNECT LP VENDOR |
| Name | Verified Name |
|---|
| Document Number | 0000040255 |
|---|---|
| Date | Mar 2, 2021 |
| Book Page | 35742/810 |
| Instrument | 2021040255 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Dec 6, 2019 |
| Property Address | 4601 CARMEL RD, CHARLOTTE, NC 28226-7243 |
| Document Number | 0000167101 |
| Book / Page | 34102 / 228 |
| Instrument Date | Dec 5, 2019 |
| Instrument | 2019167101 |
| Transaction Type | Construction Loan |
| Record Updated | Aug 23, 2022 |
| Title Company | HARBOR CITY TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $884.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1847 CASSAMIA PL, 1847, CHARLOTTE, NC 28211-1622 |
| Name | Verified Name |
|---|---|
| Address | 4601 CARMEL RD, CHARLOTTE, NC 28226-7243 |
| Document Number | 0000167102 |
|---|---|
| Date | Dec 6, 2019 |
| Instrument | 2019167102 |
| Name | SOUTH STATE BANK |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4% |
| Type Change Date | Jan 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 9% |
| Index | 1-Year LIBOR |
| Max Rate | 9% |
Source: Mecklenburg County assessment roll, as of September 9, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mecklenburg County |
| Municipality | Charlotte City |
| Unified School District | Charlotte-Mecklenburg Schools (PK - 12) |
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2025 | $1,068,300 Land $577,500 Building $490,800 | $1,068,300 Land $577,500 Building $490,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 8 in force |
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 204 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Google Fiber Fiber | 8,000 / 8,000 |
| AT&T Fiber · DSL in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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