Mecklenburg County property record for 5112 Split Oak Dr, Charlotte, NC 28227
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,302 sqft · built 1979 |
| Lot Size | 0.29 acres (12,632 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $290,000 (Jun 2026) |
| Tax Bill | $2,279 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Apr 2023 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 135-101-29 |
| Primary APN | 135-101-29 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,302 sqft Living Area |
| 1st Floor Area | 1,302 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 12,632 sqft (0.29 acres) |
| Garage Area | 456 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 184 sqft |
| Patio Area | 120 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Street Address | 5112 SPLIT OAK DR |
|---|---|
| City | CHARLOTTE |
| State | NC |
| Zip | 28227-0325 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-4 |
| Legal Description | L20 B3 M19-98 |
| Legal Subdivision | WILDWOODS |
| Legal Block | 3 |
| Legal Lot Number | 20 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 1, CHARLOTTE |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 1911 |
5112 Split Oak Dr is owned and occupied by two individuals who bought it in June 2026.
Source: Mecklenburg County records, as of July 15, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5112 SPLIT OAK DR, CHARLOTTE, NC 28227-0325 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Woman |
| Date | Document |
|---|---|
| Jun 30, 2026 | Warranty Deed, Transfer · FHA Mortgage MORTGAGE MORTGAGE |
| Apr 21, 2023 | Warranty Deed, Transfer · FHA Mortgage AMERICAN SECURITY MORTGAGE CORP |
| Aug 7, 2019 | Deed of Trust, Mortgage · Line of Credit TRULIANT FCU |
| Aug 7, 2019 | Deed of Trust, Mortgage TRULIANT FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 30, 2026 · Amount on File |
| Deed Sale | Jun 30, 2026 · Amount on File |
| Prior Sale | Apr 21, 2023 · Amount on File |
| Deed Document Number | 202669960 |
| Deed Book / Page | 40542 / 92 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Jun 30, 2026 |
| Property Address | 5112 SPLIT OAK DR, CHARLOTTE, NC 28227-0325 |
| Document Number | 0000069960 |
| Book / Page | 40542 / 92 |
| Instrument Date | Jun 25, 2026 |
| Instrument | 202669960 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $58,580.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5112 SPLIT OAK DR, CHARLOTTE, NC 28227-0325 |
| Document Number | 0000069961, |
|---|---|
| Date | Jun 30, 2026 |
| Instrument | 202669961 |
| Name | MORTGAGE MORTGAGE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Apr 21, 2023 |
| Property Address | 5112 SPLIT OAK DR, CHARLOTTE, NC 28227-0325 |
| Document Number | 0000036191 |
| Book / Page | 38070 / 71 |
| Map Reference | MB 19 PG 98 |
| Instrument Date | Apr 20, 2023 |
| Instrument | 2023036191 |
| Transaction Type | Transfer |
| Record Updated | May 25, 2023 |
| Title Company | NOT AVAILABLE, INVESTORS TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $550.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4101 GLENLOCH CIR APT 108, 108, MATTHEWS, NC 28105-6853 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 5112 SPLIT OAK DR, CHARLOTTE, NC 28227-0325 |
| Document Number | 0000036193 |
|---|---|
| Date | Apr 21, 2023 |
| Instrument | 2023036193 |
| Name | AMERICAN SECURITY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 5112 SPLIT OAK DR, CHARLOTTE, NC 28227-0325 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0000101391 |
|---|---|
| Date | Aug 7, 2019 |
| Book Page | 33737/776 |
| Instrument | 2019101391 |
| Name | TRULIANT FCU |
|---|---|
| Type | Credit Union |
| Address | WINSTON SALEM, NC 27103 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Jul 25, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 5112 SPLIT OAK DR, CHARLOTTE, NC 28227-0325 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0000101372 |
|---|---|
| Date | Aug 7, 2019 |
| Book Page | 33737/628 |
| Instrument | 2019101372 |
| Name | TRULIANT FCU |
|---|---|
| Type | Credit Union |
| Address | WINSTON SALEM, NC 27103 |
| Amount | Amount on Record |
|---|---|
| Term | 119 Months |
| Due | Jul 26, 2029 |
The 2025 property tax bill for 5112 Split Oak Dr was $2,279.
Source: Mecklenburg County assessment roll, as of September 9, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mecklenburg County |
| Municipality | Charlotte City |
| Unified School District | Charlotte-Mecklenburg Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,279.00 | $274,500 Land $55,000 Building $219,500 | $274,500 Land $55,000 Building $219,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5112 Split Oak Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1999.
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.
Wildfire risk around 5112 Split Oak Dr is low, with a 0.02% annual chance of wildfire.
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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