Mecklenburg County property record for 5105 Split Oak Dr, Charlotte, NC 28227
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,788 sqft · built 1979 |
| Lot Size | 0.219 acres (9,579 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $114,000 (Sep 2007) |
| Tax Bill | $2,515 (2023) |
| Deeds & Mortgages | Sep 2021 Mortgage Dec 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 135-077-18 |
| Primary APN | 135-077-18 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,788 sqft Heated Area |
| 1st Floor Area | 924 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Asphalt |
| Lot Area | 9,579 sqft (0.219 acres) |
| Deck Area | 120 sqft |
| Patio Area | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Old Parcel Number | 135-077-18 |
|---|---|
| Street Address | 5105 SPLIT OAK DR |
| City | CHARLOTTE |
| State | NC |
| Zip | 28227-0326 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-4 |
| Legal Description | L4 B2 M19-98 |
| Legal Subdivision | WILDWOODS PH 01 |
| Legal Block | 2 |
| Legal Lot Number | 4 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 1, CHARLOTTE |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 1911 |
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 Record | Individual Name on Record |
|---|---|
| Mailing Address | 5105 SPLIT OAK DR, CHARLOTTE, NC 28227-0326 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 20, 2021 | Deed of Trust, Mortgage · Conventional Mortgage RELIANCE FIRST CAPITAL LLC |
| Dec 20, 2017 | Deed of Trust, Mortgage · Conventional Mortgage RELIANCE FIRST CAP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 18, 2007 · Amount on Record |
| Deed Sale | Sep 18, 2007 · Amount on Record |
| Prior Sale | Apr 1, 1998 · Amount on Record |
| Deed Document Number | 0022818727 |
| Deed Book / Page | 22818 / 727 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 5105 SPLIT OAK DR, CHARLOTTE, NC 28227-0326 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2023 |
| Title Company | MORTGAGE INFORMATION SERVICES, MORTGAGE INFORMATION SVCS IN |
| Name | Verified Name |
|---|
| Document Number | 0000179558 |
|---|---|
| Date | Sep 20, 2021 |
| Book Page | 36545/466 |
| Instrument | 2021179558 |
| Name | RELIANCE FIRST CAPITAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | MELVILLE, NY 11747 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Oct 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 5105 SPLIT OAK DR, CHARLOTTE, NC 28227-0326 |
| Document Number | 0000172155 |
| Book / Page | 032367 / 000239 |
| Instrument Date | Dec 20, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 5, 2018 |
| Title Company | TIMIOS INC |
| Name | Verified Name |
|---|---|
| Address | 5105 SPLIT OAK DR CHARLOTTE NC 282270326, CHARLOTTE, NC 28227-0326 |
| Document Number | 0000172155 |
|---|---|
| Date | Dec 27, 2017 |
| Book Page | 032367/000239 |
| Instrument | 172155 |
| Name | RELIANCE FIRST CAP |
|---|---|
| Type | Funding / Finance Company |
| Address | MELVILLE, NY 11747 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Dec 26, 2032 |
Source: Mecklenburg County assessment roll, as of January 1, 2023
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mecklenburg County |
| Municipality | Charlotte City |
| Unified School District | Charlotte-Mecklenburg Schools (PK - 12) |
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 | 1 in force |
| Nearby Flood Claims | 1 (1999) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jan 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.
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 | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 423 locations within half a mile, as of December 31, 2025
| 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 Fixed Wireless | 100 / 20 |
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