651 Raphael Pl, Charlotte, NC 28205 Property Records

Mecklenburg County property record for 651 Raphael Pl, Charlotte, NC 28205

Property Summary

Property Type	Condominium
Details	2 bd · 3 ba · 2,038 sqft · built 2006
Lot Size	0.617 acres (26,897 sqft)
Owner	Individual Name on Record
Last Sale	$361,000 (Jun 2021)
Tax Bill	$3,668 (2023)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`091-109-32`

Property Details

APN / Parcel Number

Primary APN	`091-109-32`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,038 sqft Heated Area
Gross Area	2,186 sqft
1st Floor Area	1,052 sqft
Upper Floors Area	831 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	26,897 sqft (0.617 acres)
Garage Area	303 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	091-109-32
Street Address	651 RAPHAEL PL
City	CHARLOTTE
State	NC
Zip	28205-4556
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	UR3CD
Legal Description	BLDG 8 UNIT 651 U/F 715-19
Legal Subdivision	RENAISSANCE TWNHM LOFTS CONDO
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	1
Census Block	1006
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	651 RAPHAEL PL, CHARLOTTE, NC 28205-4556
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2021	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Aug 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC
Apr 30, 2019	Warranty Deed, Transfer · Conventional with PMI BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 23, 2021 · Amount on Record
Deed Sale	Jun 23, 2021 · Amount on Record
Prior Sale	Apr 30, 2019 · Amount on Record
Deed Document Number	0003621450
Deed Book / Page	36214 / 50
Record Updated	Jun 7, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Jun 23, 2021
Property Address	651 RAPHAEL PL, CHARLOTTE, NC 28205-4556
Document Number	0000122396
Book / Page	36214 / 50
Map Reference	MB 18134 PG 552
Instrument Date	Jun 17, 2021
Instrument	2021122396
Transaction Type	Transfer
Record Updated	May 25, 2023
Title Company	MERIDIAN TITLE COMPANY INC, MERIDIAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$722.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3544 PONTIAC ST, LA CRESCENTA, CA 91214-1821

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	651 RAPHAEL PL, CHARLOTTE, NC 28205-4556

Mortgage

Document Number	0000122397
Date	Jun 23, 2021
Instrument	2021122397

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	651 RAPHAEL PL, CHARLOTTE, NC 28205-4556
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	VANTAGE POINT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000130178
Date	Aug 19, 2020
Book Page	34944/112
Instrument	2020130178

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company
Address	TUSTIN, CA 92780

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2035

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Apr 30, 2019
Property Address	651 RAPHAEL PL, CHARLOTTE, NC 28205-4556
Document Number	0000051413
Book / Page	033471 / 000139
Instrument Date	Apr 25, 2019
Instrument	51413
Transaction Type	Transfer
Record Updated	May 31, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$612.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	651 RAPHAEL PL CHARLOTTE NC 282054556, CHARLOTTE, NC 28205-4556

Mortgage

Document Number	51414
Date	Apr 30, 2019
Book Page	033471/000142
Instrument	51414

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 29, 2049

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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