9434 Valley Rd, Charlotte, NC 28270 Property Records

Mecklenburg County property record for 9434 Valley Rd, Charlotte, NC 28270

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,843 sqft · built 1998
Lot Size	0.38 acres (16,553 sqft)
Owner	2 Individual Names on File
Last Sale	$670,000 (Jul 2022)
Tax Bill	$4,819 (2025)
Deeds & Mortgages	Aug 2021 Line of Credit Jul 2022 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`227-093-41`

Property Details

APN / Parcel Number

Primary APN	`227-093-41`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,843 sqft Living Area
Gross Area	3,305 sqft
1st Floor Area	1,358 sqft
Upper Floors Area	1,752 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2010
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Other
Lot Area	16,553 sqft (0.38 acres)
View / Lot	Rural
Garage Type	Attached
Garage Area	462 sqft
Patio Area	276 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	9434 VALLEY RD
City	CHARLOTTE
State	NC
Zip	28270-0414
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	L48-A M28-748
Legal Subdivision	LAKESIDE ACRES
Legal Block	3
Legal Lot Number	48
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	1
Census Block	1006
Census Tract	5847

Owner

9434 Valley Rd is owned and occupied by two individuals who bought it in July 2022.

Source: Mecklenburg County records, as of September 4, 2026

Owner of Record	2 Individual Names on File
Mailing Address	9434 VALLEY RD, CHARLOTTE, NC 28270-0414
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 2, 2021	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Jul 15, 2022	Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK NA
Nov 19, 2019	Warranty Deed, Transfer · Conventional Mortgage SUNTRUST BANK
Dec 22, 2017	Deed of Trust, Mortgage · Conventional with PMI LOANDEPOT.COM LLC
Apr 4, 2017	Deed of Trust, Mortgage · Conventional with PMI LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 15, 2022 · Amount on File
Deed Sale	Jul 15, 2022 · Amount on File
Prior Sale	Nov 19, 2019 · Amount on File
Deed Document Number	2022104319
Deed Book / Page	37503 / 353
Prior Transfer Date	Mar 1, 2004
Prior Transfer Doc	0000048066
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	9434 VALLEY RD, CHARLOTTE, NC 28270-0414
Transaction Type	Mortgage
Record Updated	May 25, 2023
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9434 VALLEY RD, CHARLOTTE, NC 28270-0414

Mortgage

Document Number	0000147980
Date	Aug 2, 2021
Book Page	36362/893
Instrument	2021147980

Lender

Name	TRUIST BANK
Type	Bank
Address	DURHAM, NC 27701

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 22, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Jul 15, 2022
Property Address	9434 VALLEY RD, CHARLOTTE, NC 28270-0414
Document Number	0000104319
Book / Page	37503 / 353
Map Reference	MB 28 PG 748
Instrument Date	Jul 15, 2022
Instrument	2022104319
Transaction Type	Transfer
Record Updated	May 25, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,340.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9434 VALLEY RD, CHARLOTTE, NC 28270-0414

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9434 VALLEY RD, CHARLOTTE, NC 28270-0414

Mortgage

Document Number	0000104320
Date	Jul 15, 2022
Instrument	2022104320

Lender

Name	FIFTH THIRD BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Nov 19, 2019
Property Address	9434 VALLEY RD, CHARLOTTE, NC 28270-0414
Document Number	0000157818
Book / Page	34049 / 596
Map Reference	MB 28 PG 748
Instrument Date	Nov 19, 2019
Instrument	2019157818
Transaction Type	Transfer
Record Updated	Jun 15, 2021
Title Company	BARRISTERS TTL SVCS OF CAROL

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$790.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1347 S EDGEWATER DR, 1347, CHARLESTON, SC 29407-7637

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9434 VALLEY RD, CHARLOTTE, NC 28270-0414

Mortgage

Document Number	0000157819
Date	Nov 19, 2019
Instrument	2019157819

Lender

Name	SUNTRUST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	9434 VALLEY RD, CHARLOTTE, NC 28270-0414
Document Number	0000001487
Book / Page	032387 / 000495
Instrument Date	Dec 22, 2017
Transaction Type	Mortgage
Record Updated	Jan 15, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9434 VALLEY RD CHARLOTTE NC 282700414, CHARLOTTE, NC 28270-0414

Mortgage

Document Number	0000001487
Date	Jan 5, 2018
Book Page	032387/000495
Instrument	1487

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jan 4, 2048

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	9434 VALLEY RD, CHARLOTTE, NC 28270-0414
Document Number	0000047986
Book / Page	031717 / 000448
Instrument Date	Apr 4, 2017
Transaction Type	Mortgage
Record Updated	Apr 18, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9434 VALLEY RD CHARLOTTE NC 282700414, CHARLOTTE, NC 28270-0414

Mortgage

Document Number	0000047986
Date	Apr 13, 2017
Book Page	031717/000448
Instrument	47986

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 12, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 9434 Valley Rd was $4,819.

Source: Mecklenburg County assessment roll, as of September 9, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Mecklenburg County
Municipality	Charlotte City
Unified School District	Charlotte-Mecklenburg Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,819.00	$605,700 Land $209,600 Building $396,100	$605,700 Land $209,600 Building $396,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 9434 Valley Rd in Zone X, an area of minimal flood risk.

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

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 9434 Valley Rd is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · above 54% of North Carolina
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

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	LAMPLIGHTER SOUTH-DANBY private · serves 3,297 people · EPA ID NC0160156
Water Source	Purchased surface water from LANCASTER COUNTY W&SD
Last State Inspection	Sep 2025
Also Mapped Here	CHARLOTTE WATER
Lead	Under 1 ppb (2026–2028) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 118 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Google Fiber Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Valley Rd

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