6422 Raffia Rd, Charlotte, NC 28277 Property Records

Mecklenburg County property record for 6422 Raffia Rd, Charlotte, NC 28277

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,810 sqft · built 2018
Lot Size	0.125 acres (5,477 sqft)
Owner	Individual Name on Record
Last Sale	$424,000 (Nov 2018)
Tax Bill	$6,135 (2023)
Deeds & Mortgages	Aug 2021 Mortgage May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`229-173-38`

Property Details

APN / Parcel Number

Primary APN	`229-173-38`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,810 sqft Heated Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Lot Area	5,477 sqft (0.125 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	229-173-38
Street Address	6422 RAFFIA RD
City	CHARLOTTE
State	NC
Zip	28277-5743
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L61 M61-665
Legal Subdivision	REA FARMS PH 1
Legal Lot Number	61
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	3
Census Block	3015
Census Tract	5845

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
Co-owner	Co-owner on Record
Mailing Address	6422 RAFFIA RD, CHARLOTTE, NC 28277-5743
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
May 22, 2020	Deed of Trust, Mortgage · Conventional with PMI BANK OF AMERICA
Nov 1, 2018	Special Warranty Deed, Transfer · ARM EAGLE HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 1, 2018 · Amount on Record
Deed Sale	Nov 1, 2018 · Amount on Record
Deed Document Number	0033084268
Deed Book / Page	33084 / 268
Record Updated	Jun 7, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	6422 RAFFIA RD, CHARLOTTE, NC 28277-5743
Transaction Type	Mortgage
Record Updated	May 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000159283
Date	Aug 18, 2021
Book Page	36426/28
Instrument	2021159283

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	6422 RAFFIA RD, CHARLOTTE, NC 28277-5743
Document Number	0000077492
Instrument Date	May 22, 2020
Transaction Type	Mortgage
Record Updated	Jun 25, 2020
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6422 RAFFIA RD CHARLOTTE NC 282775743, CHARLOTTE, NC 28277-5743

Mortgage

Document Number	0000077492
Date	May 29, 2020
Book Page	034629/000745
Instrument	77492

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 28, 2050

November 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Nov 1, 2018
Property Address	6422 RAFFIA RD, CHARLOTTE, NC 28277-5743
Document Number	0000137545
Book / Page	33084 / 268
Map Reference	MB61 PG665
Instrument Date	Oct 31, 2018
Instrument	2018137545
Transaction Type	Transfer
Record Updated	Jun 15, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$848.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6701 CARMEL RD STE 425, 6701, CHARLOTTE, NC 28226-0203

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6422 RAFFIA RD, CHARLOTTE, NC 28277-5743

Mortgage

Document Number	0000137546
Date	Nov 1, 2018
Instrument	2018137546

Lender

Name	EAGLE HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Type Change Date	Nov 1, 2028
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.12%
Index	1-Year LIBOR
Max Rate	9.12%

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	Low lower than 99.8% of the US · lower than 99.9% of North Carolina
Wildfire Likelihood	Under 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	LAMPLIGHTER SOUTH-DANBY private · serves 3,297 people · EPA ID NC0160156
Water Source	Purchased surface water from LANCASTER COUNTY W&SD
Last State Inspection	Sep 2025
Also Mapped Here	UNION COUNTY WATER SYSTEM
Lead	Under 1 ppb (2026–2028) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 293 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	1,000 / 75
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Google Fiber.

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