Mecklenburg County property record for 7409 Saddle Trail Ln, Charlotte, NC 28269
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,504 sqft · built 1999 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,884 (2024) |
| Deeds & Mortgages | Feb 2024 Line of Credit Feb 2018 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 027-014-25 |
| Primary APN | 027-014-25 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,504 sqft Living Area |
| 1st Floor Area | 732 sqft |
| Upper Floors Area | 772 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 6,534 sqft (0.15 acres) |
| Garage Area | 440 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 80 sqft |
| Patio Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 7409 SADDLE TRAIL LN |
|---|---|
| City | CHARLOTTE |
| State | NC |
| Zip | 28269-6141 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-4 |
| Legal Description | L117 B4 M29-658 |
| Legal Subdivision | GLENVIEW MAP 02 |
| Legal Block | 4 |
| Legal Lot Number | 117 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 1, CHARLOTTE |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 5522 |
7409 Saddle Trail Ln is owned and occupied by an individual who acquired it in September 2012.
Source: Mecklenburg County records, as of September 9, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 7409 SADDLE TRAIL LN, CHARLOTTE, NC 28269-6141 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 8, 2024 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Feb 8, 2018 | Deed of Trust, Mortgage · Conventional Mortgage RESOURCE FINANCIAL SERVICES INC |
| Mar 13, 2020 | Deed of Trust, Mortgage · Conventional Mortgage ALCOVA MORTGAGE LLC |
| Dec 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 12, 2012 |
| Deed Sale | Sep 12, 2012 |
| Prior Sale | Aug 27, 2007 · Amount on File |
| Deed Document Number | 2012126605 |
| Deed Book / Page | 27647 / 944 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 7409 SADDLE TRAIL LN, CHARLOTTE, NC 28269-6141 |
| Transaction Type | Mortgage |
| Record Updated | Feb 20, 2024 |
| Title Company | WFG LENDER SERVICES |
| Name | Verified Name |
|---|
| Document Number | 0000011113 |
|---|---|
| Date | Feb 8, 2024 |
| Book Page | 38623/829 |
| Instrument | 2024011113 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | 100 N TRYON ST, CHARLOTTE, NC 28202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 31, 2054 |
| Change Frequency | Monthly |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 7409 SADDLE TRAIL LN, CHARLOTTE, NC 28269-6141 |
| Transaction Type | Mortgage |
| Record Updated | Jun 22, 2021 |
| Title Company | KEVINLINK |
| Name | Verified Name |
|---|
| Document Number | 0000014682 |
|---|---|
| Date | Feb 8, 2018 |
| Book Page | 32452/662 |
| Instrument | 2018014682 |
| Name | RESOURCE FINANCIAL SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, SC 29205 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 7409 SADDLE TRAIL LN, CHARLOTTE, NC 28269-6141 |
| Transaction Type | Mortgage |
| Record Updated | Jun 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000036128 |
|---|---|
| Date | Mar 13, 2020 |
| Book Page | 34367/910 |
| Instrument | 2020036128 |
| Name | ALCOVA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | ROANOKE, VA 24011 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 7409 SADDLE TRAIL LN, CHARLOTTE, NC 28269-6141 |
| Transaction Type | Mortgage |
| Record Updated | Jun 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000216378 |
|---|---|
| Date | Dec 21, 2020 |
| Book Page | 35457/738 |
| Instrument | 2020216378 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2051 |
Source: Mecklenburg County assessment roll, as of September 9, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mecklenburg County |
| Municipality | Charlotte City |
| Unified School District | Charlotte-Mecklenburg Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $351,700 Land $80,000 Building $271,700 | $351,700 Land $80,000 Building $271,700 | |
| 2024 | $1,884.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 7409 Saddle Trail Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective October 3, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 2 (40% premium discount) |
| Nearby Flood Policies | 1 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 7409 Saddle Trail Ln is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 96% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 384 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Google Fiber Fiber | 8,000 / 8,000 |
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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