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7730 Cedar Tree Ln, Charlotte, NC 28227 Property Records

Mecklenburg County property record for 7730 Cedar Tree Ln, Charlotte, NC 28227

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,152 sqft · built 1979
Lot Size0.296 acres (12,934 sqft)
OwnerIndividual Name on File
Last Sale$359,500 (May 2023)
Tax Bill$3,612 (2023)
Deeds & MortgagesJul 2021 Mortgage
May 2023 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN135-081-16

Property Details

APN / Parcel Number

Primary APN135-081-16

Interior

Bedrooms4 Beds
Full Baths3 Baths
Half Baths1 Half Bath
Total Rooms7 Rooms
Stories2 Stories
Building Area2,152 sqft Heated Area
Gross Area2,212 sqft
1st Floor Area1,256 sqft
Upper Floors Area896 sqft
FlooringConcrete/Cement
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1979
Architectural StyleOther
Exterior MaterialOther
Foundation TypeSlab (Mat/Raft)
Roof MaterialAsphalt
Lot Area12,934 sqft (0.296 acres)
PorchPorch
Porch Area60 sqft
Patio Area210 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air
Heating FuelGas

Location & Zoning

Old Parcel Number135-081-16
Street Address7730 CEDAR TREE LN
CityCHARLOTTE
StateNC
Zip28227-1249
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-4
Legal DescriptionL48 B2 M18-271
Legal SubdivisionCHESTNUT LAKE SEC 04 MAP 02
Legal Block2
Legal Lot Number48
JurisdictionMECKLENBURG NC
Township / Civil Division1, CHARLOTTE
Census Block Group3
Census Block3004
Census Tract1911

Owner

7730 Cedar Tree Ln is owned and occupied by an individual who bought it in May 2023.

Source: Mecklenburg County records, as of May 24, 2023

Owner of RecordIndividual Name on File
Co-owner2 Co-owners on File
Mailing Address7730 CEDAR TREE LN, CHARLOTTE, NC 28227-1249
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Jul 13, 2021Deed of Trust, Mortgage · Stand-Alone First Mortgage
GATEWAY FIRST BANK
May 11, 2023Warranty Deed, Transfer · Conventional Mortgage
PRIMIS MORTGAGE CO
May 5, 2021Warranty Deed, Transfer · FHA Mortgage
GATEWAY FIRST BANK

Assessor's Deed Record

Deed Names3 Names on Deed
Last SaleMay 11, 2023 · Amount on File
Deed SaleMay 11, 2023 · Amount on File
Prior SaleMay 5, 2021 · Amount on File
Deed Document Number2023043767
Deed Book / Page38114 / 837
Record UpdatedJun 7, 2026

July 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMECKLENBURG NC
Property Address7730 CEDAR TREE LN, CHARLOTTE, NC 28227-1249
Transaction TypeMortgage
Record UpdatedAug 11, 2023

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000134642
DateJul 13, 2021
Book Page36285/937
Instrument2021134642
Lender
NameGATEWAY FIRST BANK
TypeBank
AddressJENKS, OK 74037
Agreement
TypeStand-Alone First Mortgage

May 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMECKLENBURG NC
Recording DateMay 11, 2023
Property Address7730 CEDAR TREE LN, CHARLOTTE, NC 28227-1249
Document Number0000043767
Book / Page38114 / 837
Map ReferenceMB 18 PG 271
Instrument DateMay 10, 2023
Instrument2023043767
Transaction TypeTransfer
Record UpdatedMay 25, 2023

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$719.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address749 E DESHLER AVE, COLUMBUS, OH 43206-2925

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address7730 CEDAR TREE LN, CHARLOTTE, NC 28227-1249

Mortgage

Document Number0000043768
DateMay 11, 2023
Instrument2023043768
Lender
NamePRIMIS MORTGAGE CO
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueJun 1, 2053

May 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMECKLENBURG NC
Recording DateMay 5, 2021
Property Address7730 CEDAR TREE LN, CHARLOTTE, NC 28227-1249
Document Number0000089627
Book / Page36028 / 754
Map ReferenceMB 18 PG 271
Instrument DateMay 5, 2021
Instrument2021089627
Transaction TypeTransfer
Record UpdatedMay 25, 2023
Title CompanyCAROLINA TITLE VENTURES LLC

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$570.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1034 BAILES RIDGE AVE # AVE14-203, AVE14-203, INDIAN LAND, SC 29707-0158

Transferred To (Grantee/Buyer)

NameVerified Name
Address7730 CEDAR TREE LN, CHARLOTTE, NC 28227-1249

Mortgage

Document Number0000089628
DateMay 5, 2021
Instrument2021089628
Lender
NameGATEWAY FIRST BANK
TypeBank
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueJun 1, 2051

Mortgage

Document Number0000089629
DateMay 5, 2021
Book Page36028/770
Instrument2021089629
Lender
NameNORTH CAROLINA HOUSING FINANCE AGENCY
TypeGovernment Agency
AddressRALEIGH, NC 27611
Agreement
TypeStand-Alone First Mortgage
AmountAmount on Record
Term180 Months
DueMay 4, 2036

Tax Assessment & Valuation

Source: Mecklenburg County assessment roll, as of January 1, 2023

Property Jurisdictions

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

Flood

FEMA maps place 7730 Cedar Tree Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1999.

Source: FEMA National Flood Hazard Layer, effective October 3, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 2 (40% premium discount)
Nearby Flood Policies1 in force
Nearby Flood Claims1 (1999)
Claims Outside the SFHA1 of 1
Most Recent ClaimJan 1999 · rainfall accumulation

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

Wildfire risk around 7730 Cedar Tree Ln is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 96% of the US · lower than 97.9% of North Carolina
Wildfire Likelihood0.01% annual chance
ExposureNone
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 SystemCHARLOTTE WATER
serves 1,206,285 people · EPA ID NC0160010
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, 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 423 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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