644 Raphael Pl, Charlotte, NC 28205 Property Records

Mecklenburg County property record for 644 Raphael Pl, Charlotte, NC 28205

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,060 sqft · built 2006
Lot Size	2.07 acres (90,431 sqft)
Owner	Individual Name on Record
Last Sale	$188,500 (May 2018)
Tax Bill	$2,518 (2023)
Deeds & Mortgages	Jul 2020 Mortgage May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`091-109-53`

Property Details

APN / Parcel Number

Primary APN	`091-109-53`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,060 sqft Heated Area
Gross Area	1,070 sqft
1st Floor Area	363 sqft
Upper Floors Area	707 sqft

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	091-109-53
Street Address	644 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 644 U/F 715-19
Legal Subdivision	RENAISSANCE TWNHM LOFT 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	644 RAPHAEL PL, CHARLOTTE, NC 28205-4558
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
May 21, 2018	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 21, 2018 · Amount on Record
Deed Sale	May 21, 2018 · Amount on Record
Prior Sale	Jun 2, 2006 · Amount on Record
Deed Document Number	0032692266
Deed Book / Page	32692 / 266
Record Updated	Jun 7, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	644 RAPHAEL PL, CHARLOTTE, NC 28205-4558
Document Number	0000104527
Instrument Date	Jul 10, 2020
Transaction Type	Mortgage
Record Updated	Jul 31, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	644 RAPHAEL PL CHARLOTTE NC 282054558, CHARLOTTE, NC 28205-4558

Mortgage

Document Number	0000104527
Date	Jul 10, 2020
Book Page	034791/000379
Instrument	104527

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 9, 2050

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	May 21, 2018
Property Address	644 RAPHAEL PL, CHARLOTTE, NC 28205-4558
Document Number	0000061622
Book / Page	032692 / 000266
Instrument Date	May 18, 2018
Instrument	61622
Transaction Type	Transfer
Record Updated	Jun 25, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$377.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	644 RAPHAEL PL CHARLOTTE NC 282054558, CHARLOTTE, NC 28205-4558

Mortgage

Document Number	61623
Date	May 21, 2018
Book Page	032692/000269
Instrument	61623

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 20, 2048

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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