6441 Raffia Rd, Charlotte, NC 28277 Property Records

Mecklenburg County property record for 6441 Raffia Rd, Charlotte, NC 28277

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,548 sqft · built 2017
Lot Size	0.122 acres (5,325 sqft)
Owner	Individual Name on Record
Last Sale	$480,000 (Sep 2020)
Tax Bill	$5,708 (2023)
Deeds & Mortgages	Sep 2020 Sale & Mortgage Nov 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`229-174-27`

Property Details

APN / Parcel Number

Primary APN	`229-174-27`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,548 sqft Heated Area

Exterior

Year Built	Built 2017
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Lot Area	5,325 sqft (0.122 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	229-174-27
Street Address	6441 RAFFIA RD
City	CHARLOTTE
State	NC
Zip	28277-5743
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L55 M61-665
Legal Subdivision	REA FARMS PH 1 MAP 1
Legal Lot Number	55
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 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	6441 RAFFIA RD, CHARLOTTE, NC 28277-5743
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 25, 2020	Warranty Deed, Transfer · Conventional Mortgage PENTAGON FCU
Nov 13, 2019	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA
Jun 28, 2018	Deed, Transfer · Conventional Mortgage EAGLE HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 25, 2020 · Amount on Record
Deed Sale	Sep 25, 2020 · Amount on Record
Prior Sale	Jun 28, 2018 · Amount on Record
Deed Document Number	0035103194
Deed Book / Page	35103 / 194
Record Updated	Jun 7, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Sep 25, 2020
Property Address	6441 RAFFIA RD, CHARLOTTE, NC 28277-5743
Document Number	0000157107
Book / Page	35103 / 194
Map Reference	MB 61 PG 665
Instrument Date	Sep 20, 2020
Instrument	2020157107
Transaction Type	Transfer
Record Updated	Jun 15, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$960.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	30 FOREST DR, 30, HILTON HEAD ISLAND, SC 29928-4235

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6441 RAFFIA RD, CHARLOTTE, NC 28277-5743

Mortgage

Document Number	0000157108
Date	Sep 25, 2020
Instrument	2020157108

Lender

Name	PENTAGON FCU
Type	Credit Union

Agreement

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

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	6441 RAFFIA RD, CHARLOTTE, NC 28277-5743
Document Number	0000155697
Instrument Date	Nov 13, 2019
Transaction Type	Mortgage
Record Updated	Dec 5, 2019
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6441 RAFFIA RD CHARLOTTE NC 282775743, CHARLOTTE, NC 28277-5743

Mortgage

Document Number	0000155697
Date	Nov 14, 2019
Book Page	034038/000540
Instrument	155697

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 13, 2049

June 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Jun 28, 2018
Property Address	6441 RAFFIA RD, CHARLOTTE, NC 28277-5743
Document Number	0000080759
Book / Page	32791 / 229
Map Reference	MB61 PG665
Instrument Date	Jun 28, 2018
Instrument	2018080759
Transaction Type	Transfer
Record Updated	Aug 19, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$792.00
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	6441 RAFFIA RD, CHARLOTTE, NC 28277-5743

Mortgage

Document Number	0000080760
Date	Jun 28, 2018
Instrument	2018080760

Lender

Name	EAGLE HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 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	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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