5818 Vernedale Rd, Charlotte, NC 28212 Property Records

Mecklenburg County property record for 5818 Vernedale Rd, Charlotte, NC 28212

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,826 sqft · built 1987
Lot Size	0.281 acres (12,255 sqft)
Owner	2 Individual Names on File
Last Sale	$140,000 (Feb 2019)
Tax Bill	$2,808 (2023)
Deeds & Mortgages	Apr 2021 Mortgage Feb 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`103-072-17`

Property Details

APN / Parcel Number

Primary APN	`103-072-17`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,826 sqft Heated Area
Gross Area	2,487 sqft
1st Floor Area	1,826 sqft
Flooring	Concrete/Cement
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Architectural Style	Other
Exterior Material	Composition/Composite
Foundation Type	Slab (Mat/Raft)
Roof Material	Asphalt
Lot Area	12,255 sqft (0.281 acres)
Garage Area	550 sqft
Porch	Porch
Porch Area	111 sqft
Patio Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Old Parcel Number	103-072-17
Street Address	5818 VERNEDALE RD
City	CHARLOTTE
State	NC
Zip	28212-2171
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	L85 BA M21-32
Legal Subdivision	CEDAR COVE
Legal Block	A
Legal Lot Number	85
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	1
Census Block	1000
Census Tract	1607

Owner

5818 Vernedale Rd is owned and occupied by two individuals who bought it in February 2019.

Source: Mecklenburg County records, as of May 24, 2023

Owner of Record	2 Individual Names on File
Mailing Address	5818 VERNEDALE RD, CHARLOTTE, NC 28212-2171
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage TRULIANT FCU
Feb 14, 2019	Warranty Deed, Transfer · Conventional Mortgage RELIANCE FIRST CAP
Jun 5, 2017	Warranty Deed, Transfer · ARM STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 14, 2019 · Amount on File
Deed Sale	Feb 14, 2019 · Amount on File
Prior Sale	Jun 5, 2017 · Amount on File
Deed Document Number	0033284425
Deed Book / Page	33284 / 425
Record Updated	Jun 7, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	5818 VERNEDALE RD, CHARLOTTE, NC 28212-2171
Transaction Type	Mortgage
Record Updated	May 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000078488
Date	Apr 21, 2021
Book Page	35964/920
Instrument	2021078488

Lender

Name	TRULIANT FCU
Type	Credit Union
Address	WINSTON SALEM, NC 27103

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Feb 14, 2019
Property Address	5818 VERNEDALE RD, CHARLOTTE, NC 28212-2171
Document Number	0000016530
Book / Page	033284 / 000425
Instrument Date	Feb 13, 2019
Instrument	16530
Transaction Type	Transfer
Record Updated	Mar 1, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$280.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5818 VERNEDALE RD CHARLOTTE NC 282122171, CHARLOTTE, NC 28212-2171

Mortgage

Document Number	16531
Date	Feb 14, 2019
Book Page	033284/000427
Instrument	16531

Lender

Name	RELIANCE FIRST CAP
Type	Funding / Finance Company
Address	MELVILLE, NY 11747

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 13, 2049

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Jun 5, 2017
Property Address	5818 VERNEDALE RD, CHARLOTTE, NC 28212-2171
Document Number	0000074261
Book / Page	31857 / 290
Map Reference	MB21 PG32
Instrument Date	Jun 3, 2017
Instrument	2017074261
Transaction Type	Transfer
Record Updated	Jun 15, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$152.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	215 EVERGREEN DR, 215, GREENWOOD, SC 29649-9222

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5818 VERNEDALE RD, CHARLOTTE, NC 28212-2171

Mortgage

Document Number	0000074262
Date	Jun 5, 2017
Instrument	2017074262

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Change Frequency	5 Years
Min Rate At Change	6%
Max Rate At Change	3.5%
Index	5-Year CMT
Max Rate	9.25%

Tax Assessment & Valuation

Source: Mecklenburg County assessment roll, as of January 1, 2023

Property Jurisdictions

Type	Name
State	North Carolina
County	Mecklenburg County
Municipality	Charlotte City
Unified School District	Charlotte-Mecklenburg Schools (PK - 12)

Flood

FEMA maps place 5818 Vernedale Rd in Zone X, an area of minimal flood risk, though there have been 2 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	2 (1982–1984)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Mar 1984 · 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

Wildfire risk around 5818 Vernedale Rd 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	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 328 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Google Fiber.

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