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5021 Split Oak Dr, Charlotte, NC 28227 Property Records

Mecklenburg County property record for 5021 Split Oak Dr, Charlotte, NC 28227

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,788 sqft · built 1979
Lot Size0.209 acres (9,128 sqft)
OwnerIndividual Name on Record
Last Sale$79,000 (May 1995)
Tax Bill$2,515 (2023)
Deeds & MortgagesJun 2021 Mortgage
Jul 2017 Mortgage
Flood ZoneZone X (minimal risk)
APN135-077-14

Property Details

APN / Parcel Number

Primary APN135-077-14

Interior

Bedrooms4 Beds
Full Baths2 Baths
Total Rooms7 Rooms
Stories1 Story
Building Area1,788 sqft Heated Area
1st Floor Area924 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1979
Architectural StyleBi-Level
Exterior MaterialAluminum/Vinyl
Foundation TypeSlab (Mat/Raft)
Roof MaterialAsphalt
Lot Area9,128 sqft (0.209 acres)
Deck Area120 sqft
Patio Area144 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHeat Pump
Heating FuelElectric

Location & Zoning

Old Parcel Number135-077-14
Street Address5021 SPLIT OAK DR
CityCHARLOTTE
StateNC
Zip28227-0324
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-4
Legal DescriptionL8 B2 M19-98
Legal SubdivisionWILDWOODS PH I
Legal Block2
Legal Lot Number8
JurisdictionMECKLENBURG NC
Township / Civil Division1, CHARLOTTE
Census Block Group3
Census Block3005
Census Tract1911

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 Address5021 SPLIT OAK DR, CHARLOTTE, NC 28227-0324
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 7, 2021Deed of Trust, Mortgage · Conventional Mortgage
STATE EMPLOYEES CU
Jul 21, 2017Deed of Trust, Mortgage · ARM
STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 25, 1995 · Amount on Record
Deed SaleMay 25, 1995 · Amount on Record
Deed Document Number0008154950
Record UpdatedJun 7, 2026

June 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMECKLENBURG NC
Property Address5021 SPLIT OAK DR, CHARLOTTE, NC 28227-0324
Transaction TypeMortgage
Record UpdatedMay 25, 2023
Title CompanyACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000110960
DateJun 7, 2021
Book Page36150/23
Instrument2021110960
Lender
NameSTATE EMPLOYEES CU
TypeCredit Union
AddressRALEIGH, NC 27611
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJul 1, 2051
Interest
Rate TypeAdjustable Rate
Rate2.75%
Type Change DateJul 1, 2026
Change Frequency5 Years
Min Rate At Change2.75%
Max Rate At Change4.75%
Index5-Year CMT
Max Rate8.75%

July 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMECKLENBURG NC
Property Address5021 SPLIT OAK DR, CHARLOTTE, NC 28227-0324
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanyACCURATE TITLE GROUP LLC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000097907
DateJul 21, 2017
Book Page31981/253
Instrument2017097907
Lender
NameSTATE EMPLOYEES CU
TypeCredit Union
AddressRALEIGH, NC 27611
Agreement
TypeARM
AmountAmount Recorded
Term361 Months
DueAug 1, 2047
Interest
Rate TypeAdjustable Rate
Rate4.12%
Type Change DateJul 14, 2017
Change FrequencyAnnually
Min Rate At Change3.75%
Index1-Year LIBOR
Margin2
Max Rate9.75%

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateNorth Carolina
CountyMecklenburg County
MunicipalityCharlotte City
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
Community Rating SystemClass 2 (40% premium discount)
Nearby Flood Policies1 in force
Nearby Flood Claims1 (1999)
Claims Outside the SFHA1 of 1
Most Recent ClaimJan 1999 · 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 96% of the US · lower than 97.9% of North Carolina
Wildfire Likelihood0.01% 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 423 locations within half a mile, as of December 31, 2025

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

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