Mecklenburg County property record for 9550 Oswald Ln, Charlotte, NC 28277
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,880 sqft · built 2005 |
| Lot Size | 0.493 acres (21,475 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $318,000 (May 2013) |
| Tax Bill | $4,600 (2025) |
| Deeds & Mortgages | May 2026 Line of Credit Jul 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 229-016-13 |
| Primary APN | 229-016-13 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,880 sqft Living Area |
| 1st Floor Area | 1,342 sqft |
| Upper Floors Area | 1,341 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Asphalt |
| Lot Area | 21,475 sqft (0.493 acres) |
| Garage Area | 400 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 32 sqft |
| Patio Area | 168 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 9550 OSWALD LN |
|---|---|
| City | CHARLOTTE |
| State | NC |
| Zip | 28277-6638 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3 |
| Legal Description | L74 M41-207 |
| Legal Subdivision | WESTON GLEN PH 1 MAP 3 |
| Legal Block | 6 |
| Legal Lot Number | 74 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 1, CHARLOTTE |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 5863 |
Source: Mecklenburg County records, as of June 8, 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 | 9550 OSWALD LN, CHARLOTTE, NC 28277-6638 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 21, 2026 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Jul 10, 2020 | Deed of Trust, Mortgage · Conventional Mortgage HOMETOWN LNDRS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 1, 2013 · Amount on Record |
| Deed Sale | May 1, 2013 · Amount on Record |
| Prior Sale | Aug 26, 2005 · Amount on Record |
| Deed Document Number | 201366507 |
| Deed Book / Page | 28294 / 594 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | May 21, 2026 |
| Property Address | 9550 OSWALD LN, CHARLOTTE, NC 28277-6638 |
| Document Number | 0000053454 |
| Book / Page | 40438 / 822 |
| Instrument Date | May 12, 2026 |
| Instrument | 202653454 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Name | Verified Name |
|---|---|
| Address | 9550 OSWALD LN, CHARLOTTE, NC 28277-6638 |
| Document Number | 0000053454, |
|---|---|
| Date | May 21, 2026 |
| Book Page | 40438/822 |
| Instrument | 202653454 |
| Name | FIGURE LENDING LLC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 8, 2056 |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 9550 OSWALD LN, CHARLOTTE, NC 28277-6638 |
| Document Number | 0000108341 |
| Instrument Date | Jul 10, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 31, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 9550 OSWALD LN CHARLOTTE NC 282776638, CHARLOTTE, NC 28277-6638 |
| Document Number | 0000108341 |
|---|---|
| Date | Jul 16, 2020 |
| Book Page | 034814/000544 |
| Instrument | 108341 |
| Name | HOMETOWN LNDRS |
|---|---|
| Address | HUNTSVILLE, AL 35806 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 15, 2050 |
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 | $4,600.00 | $577,200 Land $125,000 Building $452,200 | $577,200 Land $125,000 Building $452,200 |
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 | 5 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.
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 | 0.01% 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 269 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 · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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