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645 Raphael Pl, Charlotte, NC 28205 Property Records

Mecklenburg County property record for 645 Raphael Pl, Charlotte, NC 28205

Property Summary

Property TypeCondominium
Details2 bd · 3 ba · 1,437 sqft · built 2006
Lot Size0.617 acres (26,897 sqft)
OwnerIndividual Name on File
Last Sale$206,000 (Jun 2017)
Tax Bill$3,182 (2023)
Deeds & MortgagesMay 2021 Mortgage
Jun 2017 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN091-109-29

Property Details

APN / Parcel Number

Primary APN091-109-29

Interior

Bedrooms2 Beds
Full Baths3 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area1,437 sqft Heated Area
Gross Area1,685 sqft
1st Floor Area430 sqft
Upper Floors Area995 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2006
Architectural StyleOther
Exterior MaterialConcrete Block
Foundation TypeSlab (Mat/Raft)
Lot Area26,897 sqft (0.617 acres)
Garage Area260 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air
Heating FuelGas

Location & Zoning

Old Parcel Number091-109-29
Street Address645 RAPHAEL PL
CityCHARLOTTE
StateNC
Zip28205-4556
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Condominium
Local Zoning CodeUR3CD
Legal DescriptionBLDG 8 UNIT 645 U/F 715-19
Legal SubdivisionRENAISSANCE TWNHMS LOFTS CONDO
JurisdictionMECKLENBURG NC
Township / Civil Division1, CHARLOTTE
Census Block Group1
Census Block1006
Census Tract1400

Owner

Source: Mecklenburg County records · APN 091-109-29

Assessment roll updated January 1, 2023 · Last verified June 2023

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

Owner of RecordIndividual Name on File
Mailing Address645 RAPHAEL PL, CHARLOTTE, NC 28205-4556
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 03, 2021Deed of Trust, Mortgage · Conventional Mortgage
HOMESIDE FINANCIAL LLC
Jun 27, 2017Warranty Deed, Transfer · ARM
STATE EMPLOYEES CU

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJun 27, 2017 · Amount on Record
Deed SaleJun 27, 2017 · Amount on Record
Prior SaleJul 08, 2016 · Amount on Record
Deed Document Number0031914631
Deed Book / Page31914 / 631
Record UpdatedJun 07, 2026

May 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMECKLENBURG NC
Property Address645 RAPHAEL PL, CHARLOTTE, NC 28205-4556
Transaction TypeMortgage
Record UpdatedMay 25, 2023
Title CompanyMEYMAX TITLE AGENCY/OH LLC, MEYMAX TITLE AGCY OF OH LLC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000087272
DateMay 03, 2021
Book Page36015/110
Instrument2021087272
Lender
NameHOMESIDE FINANCIAL LLC
TypeMortgage Company
AddressCOLUMBIA, MD 21046
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term240 Months
DueMay 01, 2041

June 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMECKLENBURG NC
Recording DateJun 27, 2017
Property Address645 RAPHAEL PL, CHARLOTTE, NC 28205-4556
Document Number0000085162
Book / Page31914 / 631
Map ReferenceMB18134 PG552
Instrument DateJun 01, 2017
Instrument2017085162
Transaction TypeTransfer
Record UpdatedJun 15, 2021

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$412.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address833 SAVILE LN, 833, FORT MILL, SC 29715-7800

Transferred To (Grantee/Buyer)

NameVerified Name
Address645 RAPHAEL PL, CHARLOTTE, NC 28205-4556

Mortgage

Document Number0000085163
DateJun 27, 2017
Instrument2017085163
Lender
NameSTATE EMPLOYEES CU
TypeCredit Union
Agreement
TypeARM
AmountAmount Recorded
Term361 Months
DueJul 01, 2047
Interest
Rate TypeAdjustable Rate
Rate4.62%
Change FrequencyAnnually
Min Rate At Change2%
Index5-Year TN
Max Rate6%

Tax Assessment & Valuation

Source: Mecklenburg County records · Assessment roll updated January 1, 2023 · Last verified June 2023

Property Jurisdictions

TypeName
StateNorth Carolina
CountyMecklenburg County
MunicipalityCharlotte City
Unified School DistrictCharlotte-Mecklenburg Schools (PK - 12)

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 3, 2024 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Wildfire

Wildfire RiskNot rated
no burnable land within ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax 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.

Based on FCC filings for 68 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemCHARLOTTE WATER
serves 1,206,285 people
Water SourceSurface water
Last State InspectionJul 2025
LeadUnder 1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

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