6438 Raffia Rd, Charlotte, NC 28277 Property Records

Mecklenburg County property record for 6438 Raffia Rd, Charlotte, NC 28277

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,771 sqft · built 2018
Lot Size	0.125 acres (5,477 sqft)
Owner	Individual Name on Record
Last Sale	$316,000 (Aug 2019)
Tax Bill	$6,203 (2023)
Deeds & Mortgages	Feb 2022 Mortgage Mar 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`229-173-34`

Property Details

APN / Parcel Number

Primary APN	`229-173-34`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,771 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	229-173-34
Street Address	6438 RAFFIA RD
City	CHARLOTTE
State	NC
Zip	28277-5743
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L65 M61-665
Legal Subdivision	REA FARMS PH 1 MAP 1
Legal Lot Number	65
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
Mailing Address	361 SE 9TH CT, POMPANO BEACH, FL 33060-8821
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 8, 2022	Deed of Trust, Mortgage · Conventional Mortgage MOVEMENT MORTGAGE
Mar 2, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage POTOMAC MORTGAGE GROUP LLC
Aug 30, 2019	Grant Deed, Subdivision Related Transfer · Conventional Mortgage EAGLE HM MTG
Nov 2, 2018	Special Warranty Deed, Transfer · ARM FIFTH THIRD MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 30, 2019 · Amount on Record
Deed Sale	Aug 30, 2019 · Amount on Record
Prior Sale	Nov 2, 2018 · Amount on Record
Deed Document Number	0000114949
Deed Book / Page	033812 / 000450
Last Transfer Date	Mar 2, 2020
Transfer Doc	0000029725
Record Updated	Jun 7, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	6438 RAFFIA RD, CHARLOTTE, NC 28277-5743
Transaction Type	Mortgage
Record Updated	May 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000020490
Date	Feb 8, 2022
Book Page	37043/460
Instrument	2022020490

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company
Address	FORT MILL, SC 29707

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

March 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MECKLENBURG NC
Recording Date	Mar 2, 2020
Property Address	6438 RAFFIA RD, CHARLOTTE, NC 28277-5743
Document Number	0000029725
Book / Page	34333 / 366
Map Reference	MB 61 PG 665
Instrument Date	Feb 6, 2020
Instrument	2020029725
Transaction Type	Transfer
Record Updated	Jun 15, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	361 SE 9TH CT, POMPANO BEACH, FL 33060-8821

Mortgage

Document Number	0000029726
Date	Mar 2, 2020
Instrument	2020029726

Lender

Name	POTOMAC MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2050

August 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Aug 30, 2019
Property Address	6438 RAFFIA RD, CHARLOTTE, NC 28277-5743
Document Number	0000114949
Book / Page	033812 / 000450
Instrument Date	Aug 30, 2019
Instrument	114949
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 24, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$632.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11538 RED RUST LN CHARLOTTE NC 28277, CHARLOTTE, NC 28277

Mortgage

Document Number	114950
Date	Aug 30, 2019
Book Page	033812/000453
Instrument	114950

Lender

Name	EAGLE HM MTG
Type	Mortgage Company
Address	MIAMI, FL 33172-3139

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 29, 2049

November 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Nov 2, 2018
Property Address	6438 RAFFIA RD, CHARLOTTE, NC 28277-5743
Document Number	0000138212
Book / Page	33087 / 659
Map Reference	MB61 PG665
Instrument Date	Nov 1, 2018
Instrument	2018138212
Transaction Type	Transfer
Record Updated	Jun 15, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$850.00
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	6438 RAFFIA RD, CHARLOTTE, NC 28277-5743

Mortgage

Document Number	0000138213
Date	Nov 2, 2018
Instrument	2018138213

Lender

Name	FIFTH THIRD MORTGAGE CO
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Type Change Date	Nov 1, 2025
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.52%
Index	1-Year LIBOR
Max Rate	9.62%

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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