Mecklenburg County property record for 5422 Swinstead Pl, Charlotte, NC 28227
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,731 sqft · built 1972 |
| Lot Size | 0.62 acres (27,007 sqft) |
| Owner | Individual Name on File |
| Last Sale | $115,000 (Aug 2014) |
| Tax Bill | $2,583 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Feb 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 109-073-25 |
| Primary APN | 109-073-25 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,731 sqft Living Area |
| 1st Floor Area | 1,731 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Brick |
| Construction Type | Frame |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 27,007 sqft (0.62 acres) |
| Porch | Finished/Open Porch |
| Porch Area | 66 sqft |
| Patio Area | 132 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 5422 SWINSTEAD PL |
|---|---|
| City | CHARLOTTE |
| State | NC |
| Zip | 28227-2644 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3 |
| Legal Description | L46 BD M16-43 |
| Legal Subdivision | BIRNAM MOODE |
| Legal Block | D |
| Legal Lot Number | 46 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 1, CHARLOTTE |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 1922 |
5422 Swinstead Pl is owned and occupied by an individual who bought it in August 2014.
Source: Mecklenburg County records, as of June 5, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 5422 SWINSTEAD PL, CHARLOTTE, NC 28227-2644 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 20, 2026 | Deed of Trust, Mortgage · Conventional Mortgage PALMETTO MORTGAGE CORPORATION |
| Feb 11, 2020 | Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 25, 2014 · Amount on File |
| Deed Sale | Aug 25, 2014 · Amount on File |
| Prior Sale | Jul 21, 2006 · Amount on File |
| Deed Document Number | 201498591 |
| Deed Book / Page | 29402 / 581 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | May 20, 2026 |
| Property Address | 5422 SWINSTEAD PL, CHARLOTTE, NC 28227-2644 |
| Document Number | 0000052919 |
| Book / Page | 40435 / 533 |
| Instrument Date | May 19, 2026 |
| Instrument | 202652919 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 5422 SWINSTEAD PL, CHARLOTTE, NC 28227-2644 |
| Document Number | 0000052919, |
|---|---|
| Date | May 20, 2026 |
| Book Page | 40435/533 |
| Instrument | 202652919 |
| Name | PALMETTO MORTGAGE CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Rate | 6.23% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 5422 SWINSTEAD PL, CHARLOTTE, NC 28227-2644 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | STEWART TITLE GUARANTY |
| Name | Verified Name |
|---|
| Document Number | 0000019035 |
|---|---|
| Date | Feb 11, 2020 |
| Book Page | 34272/586 |
| Instrument | 2020019035 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 5422 Swinstead Pl was $2,583.
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 | $2,583.00 | $314,100 Land $68,300 Building $245,800 | $314,100 Land $68,300 Building $245,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5422 Swinstead Pl in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1982.
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 |
| Nearby Flood Claims | 4 (1982–2018) |
| Claims Outside the SFHA | 4 of 4 |
| Most Recent Claim | Sep 2018 · Hurricane Florence |
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 5422 Swinstead Pl is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 97.9% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 241 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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