6433 Raffia Rd, Charlotte, NC 28277 Property Records

Mecklenburg County property record for 6433 Raffia Rd, Charlotte, NC 28277

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,958 sqft · built 2017
Lot Size	0.107 acres (4,661 sqft)
Owner	2 Individual Names on Record
Last Sale	$782,500 (Jun 2025)
Tax Bill	$4,786 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Apr 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`229-174-25`

Property Details

APN / Parcel Number

Primary APN	`229-174-25`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,958 sqft Living Area
1st Floor Area	1,244 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Concrete
Construction Type	Frame
Roof Material	Other
Lot Area	4,661 sqft (0.107 acres)
Garage Area	400 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	6433 RAFFIA RD
City	CHARLOTTE
State	NC
Zip	28277-5743
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L57 M61-665
Legal Subdivision	REA FARMS
Legal Block	4
Legal Lot Number	57
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	3
Census Block	3020
Census Tract	5845

Owner

Source: Mecklenburg County records, as of September 23, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	6433 RAFFIA RD, CHARLOTTE, NC 28277-5743
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 17, 2023	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jun 22, 2018	Special Warranty Deed, Transfer · Conventional Mortgage EAGLE HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2025 · Amount on Record
Deed Sale	Jun 30, 2025 · Amount on Record
Prior Sale	Jun 22, 2018 · Amount on Record
Deed Document Number	202564782
Deed Book / Page	39690 / 291
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Recording Date	Sep 9, 2026
Property Address	6433 RAFFIA RD, CHARLOTTE, NC 28277-5743
Document Number	0000097225
Book / Page	40703 / 760
Instrument Date	Sep 3, 2026
Instrument	202697225
Transaction Type	Mortgage
Record Updated	Sep 23, 2026
Title Company	TOP PRIORITY TITLE, PRIORITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6433 RAFFIA RD, CHARLOTTE, NC 28277-5743

Mortgage

Document Number	0000097225,
Date	Sep 9, 2026
Book Page	40703/760
Instrument	202697225

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	6433 RAFFIA RD, CHARLOTTE, NC 28277-5743
Transaction Type	Mortgage
Record Updated	May 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6433 RAFFIA RD, CHARLOTTE, NC 28277-5743
Investor	Possibly a Property Investor

Mortgage

Document Number	0000034397
Date	Apr 17, 2023
Book Page	38060/427
Instrument	2023034397

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

June 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Jun 22, 2018
Property Address	6433 RAFFIA RD, CHARLOTTE, NC 28277-5743
Document Number	0000078054
Book / Page	32776 / 874
Map Reference	MAP1
Instrument Date	Jun 22, 2018
Instrument	2018078054
Transaction Type	Transfer
Record Updated	Jun 15, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$802.00
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	6433 RAFFIA RD, CHARLOTTE, NC 28277-5743
Investor	Possibly a Property Investor

Mortgage

Document Number	0000078055
Date	Jun 22, 2018
Instrument	2018078055

Lender

Name	EAGLE HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	337 Months
Due	Jul 1, 2046

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	$4,786.00	$617,100 Land $115,000 Building $502,100	$617,100 Land $115,000 Building $502,100

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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