4645 Craigmoss Ln, Charlotte, NC 28278 Property Records

Mecklenburg County property record for 4645 Craigmoss Ln, Charlotte, NC 28278

Property Summary

Property Type	Townhouse
Details	3 bd · 2.5 ba · 1,369 sqft · built 2008
Lot Size	0.042 acres (1,830 sqft)
Owner	Company Name on Record
Last Sale	$239,000 (May 2021)
Tax Bill	$2,271 (2024)
Deeds & Mortgages	May 2021 Transfer May 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`199-193-64`

Property Details

APN / Parcel Number

Primary APN	`199-193-64`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,369 sqft Living Area
Gross Area	1,597 sqft
1st Floor Area	618 sqft
Upper Floors Area	846 sqft

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Material	Asphalt
Lot Area	1,830 sqft (0.042 acres)
Garage Type	Attached
Garage Area	228 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4645 CRAIGMOSS LN
City	CHARLOTTE
State	NC
Zip	28278-6674
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	MX-1
Legal Description	L101 M48-842
Legal Subdivision	VILLAGE/PRESTWICK
Legal Block	3
Legal Lot Number	101
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	2
Census Block	2000
Census Tract	5923

Owner

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

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

Owner of Record	Company Name on Record
Mailing Address	12011 GLASS MOUNTAIN CT, CHARLOTTE, NC 28277-3121
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
May 13, 2021	Quit Claim Deed, Transfer Quitclaim
May 3, 2021	Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK
Sep 21, 2017	Warranty Deed, Transfer · FHA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 3, 2021 · Amount on Record
Deed Sale	May 3, 2021 · Amount on Record
Prior Sale	Sep 21, 2017 · Amount on Record
Deed Document Number	202187624
Deed Book / Page	36017 / 647
Record Updated	Oct 29, 2026

May 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MECKLENBURG NC
Recording Date	May 13, 2021
Property Address	4645 CRAIGMOSS LN, CHARLOTTE, NC 28278-6674
Document Number	0000095393
Book / Page	36059 / 350
Map Reference	MB 50 PG 53
Instrument Date	May 3, 2021
Instrument	2021095393
Transaction Type	Transfer
Record Updated	May 25, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12011 GLASS MOUNTAIN CT, CHARLOTTE, NC 28277-3121

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12011 GLASS MOUNTAIN CT, CHARLOTTE, NC 28277-3121

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	May 3, 2021
Property Address	4645 CRAIGMOSS LN, CHARLOTTE, NC 28278-6674
Document Number	0000087624
Book / Page	36017 / 647
Map Reference	MB 50 PG 53
Instrument Date	Apr 28, 2021
Instrument	2021087624
Transaction Type	Transfer
Record Updated	May 25, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$478.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5960 FAIRVIEW RD STE 102, 102, CHARLOTTE, NC 28210-3111

Mortgage

Document Number	0000087625
Date	May 3, 2021
Instrument	2021087625

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2036

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Sep 21, 2017
Property Address	4645 CRAIGMOSS LN, CHARLOTTE, NC 28278-6674
Document Number	0000128203
Book / Page	032136 / 000892
Instrument Date	Sep 21, 2017
Instrument	128203
Transaction Type	Transfer
Record Updated	Oct 2, 2017
Title Company	INVESTORS TITLE COMPANY, INVESTORS TITLE CO.

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$368.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4645 CRAIGMOSS LN CHARLOTTE NC 282786674, CHARLOTTE, NC 28278-6674

Mortgage

Document Number	128204
Date	Sep 21, 2017
Book Page	032136/000894
Instrument	128204

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 20, 2047

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		$293,400 Land $70,000 Building $223,400	$293,400 Land $70,000 Building $223,400
2024	$2,271.00

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	3 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.

Wildfire

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

Wildfire Risk	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.02% 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 229 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 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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