6430 Raffia Rd, Charlotte, NC 28277 Property Records

Mecklenburg County property record for 6430 Raffia Rd, Charlotte, NC 28277

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,962 sqft · built 2018
Lot Size	0.126 acres (5,489 sqft)
Owner	2 Company Names on Record
Last Sale	$438,000 (Nov 2018)
Tax Bill	$5,030 (2024)
Deeds & Mortgages	Sep 2021 Line of Credit Feb 2024 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`229-173-36`

Property Details

APN / Parcel Number

Primary APN	`229-173-36`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,962 sqft Living Area
Gross Area	3,410 sqft
1st Floor Area	1,386 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Concrete
Construction Type	Frame
Roof Material	Other
Lot Area	5,489 sqft (0.126 acres)
Garage Type	Attached
Garage Area	448 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	6430 RAFFIA RD
City	CHARLOTTE
State	NC
Zip	28277-5743
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L63 M61-665
Legal Subdivision	REA FARMS
Legal Block	3
Legal Lot Number	63
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 September 9, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	6430 RAFFIA RD, CHARLOTTE, NC 28277-5743
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 27, 2021	Deed of Trust, Mortgage · Line of Credit FOUNDERS FCU
Feb 27, 2024	Intrafamily Transfer, Transfer
Aug 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Nov 16, 2018	Special Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 16, 2018 · Amount on Record
Deed Sale	Nov 16, 2018 · Amount on Record
Deed Document Number	2018144095
Deed Book / Page	33117 / 678
Last Transfer Date	Feb 14, 2024
Transfer Doc	0000016531
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	6430 RAFFIA RD, CHARLOTTE, NC 28277-5743
Transaction Type	Mortgage
Record Updated	Mar 28, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000184496
Date	Sep 27, 2021
Book Page	36573/722
Instrument	2021184496

Lender

Name	FOUNDERS FCU
Type	Credit Union
Address	LANCASTER, SC 29720

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Sep 5, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MECKLENBURG NC
Recording Date	Feb 27, 2024
Property Address	6430 RAFFIA RD, CHARLOTTE, NC 28277-5743
Document Number	0000016531
Book / Page	38654 / 433
Map Reference	MB 61 PG 665
Instrument Date	Feb 14, 2024
Instrument	2024016531
Transaction Type	Transfer
Record Updated	Mar 28, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6430 RAFFIA RD, CHARLOTTE, NC 28277-5743

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6430 RAFFIA RD, CHARLOTTE, NC 28277-5743

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	6430 RAFFIA RD, CHARLOTTE, NC 28277-5743
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK EAST ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000119682
Date	Aug 3, 2020
Book Page	34886/282
Instrument	2020119682

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

November 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Nov 16, 2018
Property Address	6430 RAFFIA RD, CHARLOTTE, NC 28277-5743
Document Number	0000144095
Book / Page	33117 / 678
Map Reference	MB61 PG665
Instrument Date	Nov 16, 2018
Instrument	2018144095
Transaction Type	Transfer
Record Updated	Jun 15, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$876.00
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	6430 RFFIA RD, CHARLOTTE, NC 28277-5743

Mortgage

Document Number	0000144096
Date	Nov 16, 2018
Instrument	2018144096

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2048

Tax Assessment & Valuation

Source: Mecklenburg County assessment roll, as of September 9, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$657,800 (-) Land $115,000 Building $542,800	$657,800 (-) Land $115,000 Building $542,800
2024	$5,030.00 (-20.75%)
2023	$6,347.00	$657,800 Land $115,000 Building $542,800	$657,800 Land $115,000 Building $542,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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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