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4645 Pine Needle Trl, Mint Hill (Charlotte), NC 28227 Property Records

Mecklenburg County property record for 4645 Pine Needle Trl, Mint Hill, NC 28227

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,549 sqft · built 1973
Lot Size0.664 acres (28,934 sqft)
OwnerIndividual Name on Record
Last Sale$375,000 (Sep 2020)
Tax Bill$4,286 (2023)
Deeds & MortgagesSep 2020 Sale & Mortgage
Mar 2020 Sale
Flood ZoneZone X (minimal risk)
APN135-281-59

Property Details

APN / Parcel Number

Primary APN135-281-59

Interior

Bedrooms4 Beds
Full Baths3 Baths
Total Rooms7 Rooms
Stories1 Story
Building Area2,549 sqft Heated Area
Gross Area3,152 sqft
1st Floor Area2,549 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1973
Architectural StyleOther
Exterior MaterialWood Siding
Foundation TypeRaised
Roof MaterialAsphalt
Lot Area28,934 sqft (0.664 acres)

Exterior Amenities

PorchPorch
Porch Area128 sqft
Deck Area80 sqft
Patio Area98 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air
Heating FuelElectric

Location & Zoning

Old Parcel Number135-281-59
Street Address4645 PINE NEEDLE TRL
CityMINT HILL
StateNC
Zip28227-8804
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR
Legal DescriptionL10 BB M17-83
Legal SubdivisionTARAWOODS
Legal BlockB
Legal Lot Number10
JurisdictionMECKLENBURG NC
Township / Civil Division13, MORNING STAR
Census Block Group2
Census Block2023
Census Tract5721

Owner

Source: Mecklenburg County records, as of May 24, 2023

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

Owner of RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address4645 PINE NEEDLE TRL, MINT HILL, NC 28227-8804
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 24, 2020Warranty Deed, Transfer · Conventional Mortgage
GUARANTEED RATE AFFINITY LLC
Mar 18, 2020Grant Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 24, 2020 · Amount on Record
Deed SaleSep 24, 2020 · Amount on Record
Prior SaleMar 18, 2020 · Amount on Record
Deed Document Number0035093650
Deed Book / Page35093 / 650
Record UpdatedJun 7, 2026

September 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMECKLENBURG NC
Recording DateSep 24, 2020
Property Address4645 PINE NEEDLE TRL, MINT HILL, NC 28227-8804
Document Number0000155425
Book / Page35093 / 650
Map ReferenceMB 17 PG 83
Instrument DateSep 23, 2020
Instrument2020155425
Transaction TypeTransfer
Record UpdatedJun 15, 2021

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$750.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 291, MATTHEWS, NC 28106-0291

Transferred To (Grantee/Buyer)

NameVerified Name
Address4645 PINE NEEDLE TRL, MINT HILL, NC 28227-8804

Mortgage

Document Number0000155426
DateSep 24, 2020
Instrument2020155426
Lender
NameGUARANTEED RATE AFFINITY LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueOct 1, 2050

March 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionMECKLENBURG NC
Recording DateMar 18, 2020
Property Address4645 PINE NEEDLE TRL, MINT HILL, NC 28227-8804
Document Number0000038335
Book / Page034380 / 000560
Instrument DateMar 12, 2020
Instrument38335
Transaction TypeTransfer
Record UpdatedMay 1, 2020
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$420.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
AddressPO BOX 291 MATTHEWS NC 281060291, MATTHEWS, NC 28106-0291

Tax Assessment & Valuation

Source: Mecklenburg County assessment roll, as of January 1, 2023

Property Jurisdictions

TypeName
StateNorth Carolina
CountyMecklenburg County
MunicipalityMint Hill Town
Unified School DistrictCharlotte-Mecklenburg Schools (PK - 12)

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
Flood Insurance CostPremium on Record
median of 14 policies
Nearby Flood Policies14 in force
Nearby Flood Claims4 (2024)
Claims Outside the SFHA1 of 4
Most Recent ClaimJan 2024 · river or lake flooding

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 64% of the US · above 49% of North Carolina
Wildfire Likelihood0.04% annual chance
ExposureDirect
burnable vegetation

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 151 locations within half a mile, as of December 31, 2025

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

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