Mecklenburg County property record for 5610 Cottingham Ln, Charlotte, NC 28211
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,941 sqft · built 1971 |
| Lot Size | 0.363 acres (15,828 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $265,000 (Jan 2016) |
| Tax Bill | $4,982 (2023) |
| Deeds & Mortgages | Apr 2024 Mortgage Jul 2023 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 163-071-94 |
| Primary APN | 163-071-94 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 1,941 sqft Heated Area |
| Gross Area | 1,973 sqft |
| 1st Floor Area | 1,291 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1971 |
|---|---|
| Architectural Style | Split Level |
| Exterior Material | Composition/Composite |
| Foundation Type | Raised |
| Roof Material | Asphalt |
| Lot Area | 15,828 sqft (0.363 acres) |
| Porch | Porch |
|---|---|
| Porch Area | 32 sqft |
| Deck Area | 240 sqft |
| Patio Area | 256 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Old Parcel Number | 163-071-94 |
|---|---|
| Street Address | 5610 COTTINGHAM LN |
| City | CHARLOTTE |
| State | NC |
| Zip | 28211-4234 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3 |
| Legal Description | L43B1M15-209 |
| Legal Subdivision | CASTLETON GARDENS |
| Legal Block | 1 |
| Legal Lot Number | 43B |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 1, CHARLOTTE |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 2006 |
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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 5610 COTTINGHAM LN, CHARLOTTE, NC 28211-4234 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 30, 2024 | Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC A V |
| Jul 10, 2023 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Apr 27, 2022 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 21, 2016 · Amount on Record |
| Deed Sale | Jan 21, 2016 · Amount on Record |
| Prior Sale | Sep 16, 2009 · Amount on Record |
| Deed Document Number | 0003054998 |
| Deed Book / Page | 30549 / 98 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 5610 COTTINGHAM LN, CHARLOTTE, NC 28211-4234 |
| Transaction Type | Mortgage |
| Record Updated | May 16, 2024 |
| Name | Verified Name |
|---|---|
| Address | 1425 N SHARON AMITY RD, CHARLOTTE, NC 28211-3147 |
| Document Number | 0000039173 |
|---|---|
| Date | Apr 30, 2024 |
| Book Page | 38788/175 |
| Instrument | 2024039173 |
| Name | ATLANTIC BAY MORTGAGE GROUP LLC A V |
|---|---|
| Address | 600 LYNNHAVEN PKWY STE 100, VIRGINIA BEACH, VA 23452 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 5610 COTTINGHAM LN, CHARLOTTE, NC 28211-4234 |
| Transaction Type | Mortgage |
| Record Updated | Jul 21, 2023 |
| Title Company | ACCURATE GROUP, ACCURATE GROUP LLC |
| Name | Verified Name |
|---|
| Document Number | 0000064497 |
|---|---|
| Date | Jul 10, 2023 |
| Book Page | 38238/440 |
| Instrument | 2023064497 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 5610 COTTINGHAM LN, CHARLOTTE, NC 28211-4234 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000064092 |
|---|---|
| Date | Apr 27, 2022 |
| Book Page | 37286/56 |
| Instrument | 2022064092 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.95% |
| Type Change Date | May 1, 2027 |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.25% |
| Max Rate At Change | 4.95% |
| Index | 5-Year CMT |
| Max Rate | 8.95% |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 18 policies |
| Community Rating System | Class 2 (40% premium discount) |
| Nearby Flood Policies | 18 in force |
| Nearby Flood Claims | 7 (2009–2025) |
| Most Recent Claim | Jun 2025 · 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 94% of the US · lower than 96% 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 281 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless in parts of the area | 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