646 Raphael Pl, Charlotte, NC 28205 Property Records

Mecklenburg County property record for 646 Raphael Pl, Charlotte, NC 28205

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,000 sqft · built 2006
Lot Size	2.07 acres (90,431 sqft)
Owner	Individual Name on Record
Last Sale	$338,000 (Dec 2022)
Tax Bill	$2,891 (2023)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Apr 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`091-109-54`

Property Details

APN / Parcel Number

Primary APN	`091-109-54`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,000 sqft Heated Area
Gross Area	1,006 sqft
1st Floor Area	299 sqft
Upper Floors Area	707 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

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	091-109-54
Street Address	646 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 646 U/F 715-19
Legal Subdivision	RESAISSANCE TWNHM LOFTS 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	646 RAPHAEL PL, CHARLOTTE, NC 28205-4558
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 9, 2022	Warranty Deed, Transfer · VA Mortgage ENVOY MORTGAGE LTD
Apr 18, 2022	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Mar 22, 2018	Warranty Deed, Transfer · Stand-Alone Second Mortgage NORTH CAROLINA HOUSING FINANCE AGEN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 9, 2022 · Amount on Record
Deed Sale	Dec 9, 2022 · Amount on Record
Prior Sale	Apr 18, 2022 · Amount on Record
Deed Document Number	0037819426
Deed Book / Page	37819 / 426
Record Updated	Jun 7, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Dec 9, 2022
Property Address	646 RAPHAEL PL, CHARLOTTE, NC 28205-4558
Document Number	0000162508
Book / Page	37819 / 426
Map Reference	MB 20076 PG 157
Instrument Date	Dec 5, 2022
Instrument	2022162508
Transaction Type	Transfer
Record Updated	May 25, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$676.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4843 TWIN RIDGE RD, HOUSE SPRINGS, MO 63051-2040

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	646 RAPHAEL PL, CHARLOTTE, NC 28205-4558

Mortgage

Document Number	0000162509
Date	Dec 9, 2022
Instrument	2022162509

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Apr 18, 2022
Property Address	646 RAPHAEL PL, CHARLOTTE, NC 28205-4558
Document Number	0000059262
Book / Page	37258 / 858
Map Reference	MB 20076 PG 157
Instrument Date	Apr 8, 2022
Instrument	2022059262
Transaction Type	Transfer
Record Updated	May 25, 2023
Title Company	INVESTOR TITLE INSURANCE COMPANY, INVESTORS TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$600.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1611 MICHIGAN AVE APT 4, 4, MIAMI BEACH, FL 33139-2508

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	646 RAPHAEL PL, CHARLOTTE, NC 28205-4558

Mortgage

Document Number	0000059263
Date	Apr 18, 2022
Instrument	2022059263

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Type Change Date	May 1, 2029
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	9.87%
Index	Other
Max Rate	9.87%

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Mar 22, 2018
Property Address	646 RAPHAEL PL, CHARLOTTE, NC 28205-4558
Document Number	0000033140
Book / Page	32543 / 789
Map Reference	MB715 PG19-23
Instrument Date	Mar 19, 2018
Instrument	2018033140
Transaction Type	Transfer
Record Updated	Jun 15, 2021
Title Company	INVESTORS TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$374.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2600 NETHERLAND AVE APT 2607, 2600, BRONX, NY 10463-4821

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	646 RAPHAEL PL, CHARLOTTE, NC 28205-4558

Mortgage

Document Number	0000033142
Date	Mar 22, 2018
Instrument	2018033142

Lender

Name	NORTH CAROLINA HOUSING FINANCE AGEN
Type	Government Agency

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

Mortgage

Document Number	0000033141
Date	Mar 22, 2018
Book Page	32543/791
Instrument	2018033141

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 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	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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