5012 Split Oak Dr, Charlotte, NC 28227 Property Records

Mecklenburg County property record for 5012 Split Oak Dr, Charlotte, NC 28227

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,788 sqft · built 1980
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$79,000 (Sep 2012)
Tax Bill	$2,401 (2025)
Deeds & Mortgages	Oct 2019 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`135-102-38`

Property Details

APN / Parcel Number

Primary APN	`135-102-38`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,788 sqft Living Area
1st Floor Area	924 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1995
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)
Patio Area	24 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Street Address	5012 SPLIT OAK DR
City	CHARLOTTE
State	NC
Zip	28227-0323
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	L38 B4 M19-98
Legal Subdivision	WILDWOODS
Legal Block	4
Legal Lot Number	38
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	3
Census Block	3000
Census Tract	1911

Owner

Source: Mecklenburg County records · APN 135-102-38

Assessment roll updated September 9, 2025 · Last verified July 2026

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

Owner of Record	Individual Name on File
Mailing Address	5012 SPLIT OAK DR, CHARLOTTE, NC 28227-0323
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 05, 2012 · Amount on Record
Deed Sale	Sep 05, 2012 · Amount on Record
Prior Sale	Aug 17, 1981 · Amount on Record
Deed Document Number	2012123328
Deed Book / Page	37633 / 405
Record Updated	Sep 20, 2026

October 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MECKLENBURG NC
Property Address	5012 SPLIT OAK DR, CHARLOTTE, NC 28227-0323
Document Number	0000162695
Instrument Date	Oct 25, 2019
Transaction Type	Mortgage
Record Updated	Dec 19, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5012 SPLIT OAK DR CHARLOTTE NC 282270323, CHARLOTTE, NC 28227-0323

Mortgage

Document Number	0000162695
Date	Nov 27, 2019
Book Page	034077/000420
Instrument	162695

Lender

Name	WELLS FARGO BK
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 26, 2049

Interest

Rate	3.75%

Tax Assessment & Valuation

Source: Mecklenburg County records · Assessment roll updated September 9, 2025 · Last verified July 2026

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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,401.00	$290,400 Land $55,000 Building $235,400	$290,400 Land $55,000 Building $235,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 3, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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	1 in force
Nearby Flood Claims	1 (1999)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jan 1999 · rainfall accumulation

Wildfire

Wildfire Risk	Low lower than 96% of the US · lower than 97.9% of North Carolina
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 423 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CHARLOTTE WATER serves 1,206,285 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.