Mecklenburg County property record for 5215 Split Oak Dr, Charlotte, NC 28227
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,788 sqft · built 1979 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $345,000 (May 2023) |
| Tax Bill | $2,173 (2025) |
| Deeds & Mortgages | May 2026 Mortgage May 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 135-076-12 |
| Primary APN | 135-076-12 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,788 sqft Living Area |
| 1st Floor Area | 924 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,712 sqft (0.2 acres) |
| Deck Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Street Address | 5215 SPLIT OAK DR |
|---|---|
| City | CHARLOTTE |
| State | NC |
| Zip | 28227-0328 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-4 |
| Legal Description | L9B1M19-98 |
| Legal Subdivision | WILDWOODS |
| Legal Block | 1 |
| Legal Lot Number | 9 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 1, CHARLOTTE |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 1911 |
Source: Mecklenburg County records, as of June 8, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 5215 SPLIT OAK DR, CHARLOTTE, NC 28227-0328 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| May 22, 2026 | Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT |
| May 8, 2023 | Warranty Deed, Transfer · FHA Mortgage ATLANTIC BAY MORTGAGE GROUP LLC |
| Jun 21, 2018 | Warranty Deed, Transfer · Line of Credit BRANCH BK&TR |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 8, 2023 · Amount on Record |
| Deed Sale | May 8, 2023 · Amount on Record |
| Prior Sale | Jun 21, 2018 · Amount on Record |
| Deed Document Number | 202342201 |
| Deed Book / Page | 38106 / 655 |
| Prior Transfer Date | Jun 20, 2018 |
| Prior Transfer Doc | 0000077076 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | May 22, 2026 |
| Property Address | 5215 SPLIT OAK DR, CHARLOTTE, NC 28227-0328 |
| Document Number | 0000054117 |
| Book / Page | 40443 / 139 |
| Instrument Date | Apr 22, 2026 |
| Instrument | 202654117 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 5215 SPLIT OAK DR, CHARLOTTE, NC 28227-0328 |
| Document Number | 0000054117, |
|---|---|
| Date | May 22, 2026 |
| Book Page | 40443/139 |
| Instrument | 202654117 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 325 Months |
| Due | Jun 1, 2053 |
| Rate | 6.38% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | May 8, 2023 |
| Property Address | 5215 SPLIT OAK DR, CHARLOTTE, NC 28227-0328 |
| Document Number | 0000042201 |
| Book / Page | 38106 / 655 |
| Map Reference | MB 19 PG 98 |
| Instrument Date | May 3, 2023 |
| Instrument | 2023042201 |
| Transaction Type | Transfer |
| Record Updated | May 25, 2023 |
| Title Company | ATLANTIC CAROLINAS TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $690.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12229 DANIELLE CHRISTINA CT, CHARLOTTE, NC 28216-7771 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 5215 SPLIT OAK DR, CHARLOTTE, NC 28227-0328 |
| Document Number | 0000042202 |
|---|---|
| Date | May 8, 2023 |
| Instrument | 2023042202 |
| Name | ATLANTIC BAY MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Jun 21, 2018 |
| Property Address | 5215 SPLIT OAK DR, CHARLOTTE, NC 28227-0328 |
| Document Number | 0000077076 |
| Book / Page | 032772 / 000182 |
| Instrument Date | Jun 20, 2018 |
| Instrument | 77076 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $52.00 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5134 TRACEWOOD CT CHARLOTTE NC 282159026, CHARLOTTE, NC 28215-9026 |
| Document Number | 77077 |
|---|---|
| Date | Jun 21, 2018 |
| Book Page | 032772/000184 |
| Instrument | 77077 |
| Name | BRANCH BK&TR |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28202-2012 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
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 | $2,173.00 | $260,700 Land $55,000 Building $205,700 | $260,700 Land $55,000 Building $205,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures