628 Raphael Pl, Charlotte, NC 28205 Property Records

Mecklenburg County property record for 628 Raphael Pl, Charlotte, NC 28205

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,000 sqft · built 2006
Lot Size	2.07 acres (90,431 sqft)
Owner	Individual Name on Record
Last Sale	$202,000 (Nov 2019)
Tax Bill	$2,891 (2023)
Deeds & Mortgages	Aug 2020 Mortgage Nov 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`091-109-45`

Property Details

APN / Parcel Number

Primary APN	`091-109-45`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,000 sqft Heated Area
Gross Area	1,006 sqft
1st Floor Area	299 sqft
Upper Floors Area	707 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Architectural Style	Other
Exterior Material	Concrete Block
Foundation Type	Slab (Mat/Raft)
Lot Area	90,431 sqft (2.07 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	091-109-45
Street Address	628 RAPHAEL PL
City	CHARLOTTE
State	NC
Zip	28205-4558
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	UR3CD
Legal Description	BLDG 9 UNIT 628 U/F 715-19
Legal Subdivision	RENAISSANCE TWNHM LOFTS CONDO
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	1
Census Block	1010
Census Tract	1400

Owner

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
Mailing Address	628 RAPHAEL PL, CHARLOTTE, NC 28205-4558
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST FEDERAL BANK
Nov 21, 2019	Warranty Deed, Transfer · Conventional Mortgage FIRST FEDERAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 21, 2019 · Amount on Record
Deed Sale	Nov 21, 2019 · Amount on Record
Prior Sale	Jun 14, 2006 · Amount on Record
Deed Document Number	0034057970
Deed Book / Page	34057 / 970
Record Updated	Jun 7, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	628 RAPHAEL PL, CHARLOTTE, NC 28205-4558
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000120930
Date	Aug 5, 2020
Book Page	34892/788
Instrument	2020120930

Lender

Name	FIRST FEDERAL BANK
Type	Bank
Address	ALPHARETTA, GA 30022

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2035

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Nov 21, 2019
Property Address	628 RAPHAEL PL, CHARLOTTE, NC 28205-4558
Document Number	0000159264
Book / Page	34057 / 970
Map Reference	MB 18134 PG 552
Instrument Date	Nov 21, 2019
Instrument	2019159264
Transaction Type	Transfer
Record Updated	Jun 15, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$404.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1559 TIPPAH PARK CT, 1559, CHARLOTTE, NC 28205-3500

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	628 RAPHAEL PL, CHARLOTTE, NC 28205-4558

Mortgage

Document Number	0000159265
Date	Nov 21, 2019
Instrument	2019159265

Lender

Name	FIRST FEDERAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

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

Source: FEMA National Flood Hazard Layer, effective October 3, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 68 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless	5,000 / 5,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Google Fiber, Spectrum.

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