Mecklenburg County property record for 9418 Split Rail Ln, Charlotte, NC 28227
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,368 sqft · built 1976 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $375,000 (Oct 2026) |
| Tax Bill | $2,537 (2025) |
| Deeds & Mortgages | Oct 2026 Sale & Mortgage Mar 2024 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 109-412-19 |
| Primary APN | 109-412-19 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Building Area | 1,368 sqft Living Area |
| 1st Floor Area | 912 sqft |
| Upper Floors Area | 456 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 2010 |
| Architectural Style | Cape Cod |
| Exterior Material | Masonite |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 12,197 sqft (0.28 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Street Address | 9418 SPLIT RAIL LN |
|---|---|
| City | CHARLOTTE |
| State | NC |
| Zip | 28227-3325 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3 |
| Legal Description | L41 BJ M17-485 |
| Legal Subdivision | TIMBER CRK |
| Legal Block | J |
| Legal Lot Number | 41 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 1, CHARLOTTE |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 1917 |
Source: Mecklenburg County records, as of October 19, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 9418 SPLIT RAIL LN, CHARLOTTE, NC 28227-3325 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 2, 2026 | Warranty Deed, Transfer · Conventional Mortgage PENTAGON FEDERAL CREDIT UNION |
| Mar 25, 2024 | Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Jun 1, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CORNING FCU |
| Dec 19, 2018 | Warranty Deed, Transfer · Conventional Mortgage CORNING FCU |
| Apr 28, 2017 | Warranty Deed, Transfer · ARM STATE EMPLOYEES CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 2, 2026 · Amount on Record |
| Deed Sale | Oct 2, 2026 · Amount on Record |
| Prior Sale | Mar 25, 2024 · Amount on Record |
| Deed Document Number | 2026106459 |
| Deed Book / Page | 40759 / 501 |
| Prior Transfer Date | Jan 11, 2013 |
| Prior Transfer Doc | 0000006306 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Oct 2, 2026 |
| Property Address | 9418 SPLIT RAIL LN, CHARLOTTE, NC 28227-3325 |
| Document Number | 0000106459 |
| Book / Page | 40759 / 501 |
| Instrument Date | Sep 30, 2026 |
| Instrument | 2026106459 |
| Transaction Type | Transfer |
| Record Updated | Oct 16, 2026 |
| Title Company | INVESTORS LAND TITLE, INVESTORS TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $75,750.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 9418 SPLIT RAIL LN, CHARLOTTE, NC 28227-3325 |
| Document Number | 0000106460, |
|---|---|
| Date | Oct 2, 2026 |
| Instrument | 2026106460 |
| Name | PENTAGON FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Mar 25, 2024 |
| Property Address | 9418 SPLIT RAIL LN, CHARLOTTE, NC 28227-3325 |
| Document Number | 0000026274 |
| Book / Page | 38710 / 754 |
| Map Reference | MB 17 PG 485 |
| Instrument Date | Mar 16, 2024 |
| Instrument | 2024026274 |
| Transaction Type | Transfer |
| Record Updated | Apr 18, 2024 |
| Title Company | TITLE COMPANY/CRESTED BUTTE, TITLE CO INVESTORS TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $670.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3119 WESTNEDGE DR APT 12161216, 12161216, CHARLOTTE, NC 28226-1005 |
| Name | Verified Name |
|---|
| Document Number | 0000026275 |
|---|---|
| Date | Mar 25, 2024 |
| Instrument | 2024026275 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2054 |
| Document Number | 0000026275 |
|---|---|
| Date | Mar 25, 2024 |
| Book Page | 38710/756 |
| Instrument | 2024026275 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | 585 SOUTH BLVD E, PONTIAC, MI 48341 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 9418 SPLIT RAIL LN, CHARLOTTE, NC 28227-3325 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000078483 |
|---|---|
| Date | Jun 1, 2020 |
| Book Page | 34655/669 |
| Instrument | 2020078483 |
| Name | CORNING FCU |
|---|---|
| Type | Credit Union |
| Address | CORNING, NY 14830 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Dec 19, 2018 |
| Property Address | 9418 SPLIT RAIL LN, CHARLOTTE, NC 28227-3325 |
| Document Number | 0000156425 |
| Book / Page | 33181 / 494 |
| Map Reference | MB17 PG485 |
| Instrument Date | Dec 19, 2018 |
| Instrument | 2018156425 |
| Transaction Type | Transfer |
| Record Updated | Jun 15, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $300.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9418 SPLIT RAIL LN, 9418, CHARLOTTE, NC 28227-3325 |
| Name | Verified Name |
|---|---|
| Address | 9418 SPLIT RAIL LN, CHARLOTTE, NC 28227-3325 |
| Document Number | 0000156426 |
|---|---|
| Date | Dec 19, 2018 |
| Book Page | 33181/497 |
| Instrument | 2018156426 |
| Name | CORNING FCU |
|---|---|
| Type | Credit Union |
| Address | CORNING, NY 14830 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Apr 28, 2017 |
| Property Address | 9418 SPLIT RAIL LN, CHARLOTTE, NC 28227-3325 |
| Document Number | 0000055983 |
| Book / Page | 31761 / 092 |
| Map Reference | MB17 PG485 |
| Instrument Date | Apr 28, 2017 |
| Instrument | 2017055983 |
| Transaction Type | Transfer |
| Record Updated | Jun 15, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $300.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9418 SPLIT RAIL LN, 9418, CHARLOTTE, NC 28227-3325 |
| Name | Verified Name |
|---|---|
| Address | 9418 SPLIT RAIL LN, CHARLOTTE, NC 28227-3325 |
| Document Number | 0000055984 |
|---|---|
| Date | Apr 28, 2017 |
| Instrument | 2017055984 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.5% |
| Change Frequency | Annually |
| Min Rate At Change | 2% |
| Index | 5-Year TN |
| Max Rate | 5% |
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 | $2,537.00 (-14.67%) | $308,100 (-) Land $70,000 Building $238,100 | $308,100 (-) Land $70,000 Building $238,100 |
| 2023 | $2,973.00 | $308,100 Land $70,000 Building $238,100 | $308,100 Land $70,000 Building $238,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 2 (40% premium discount) |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 1 (1979) |
| Most Recent Claim | Apr 1979 · tidal / storm surge |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 76% 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 280 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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