100 Spruce St, Matthews, NC 28104 Property Records

Union County property record for 100 Spruce St, Matthews, NC 28104

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,344 sqft · built 1974
Lot Size	0.462 acres (20,125 sqft)
Owner	Company Name on Record
Last Sale	$245,000 (Oct 2022)
Tax Bill	$1,779 (2025)
Deeds & Mortgages	Oct 2022 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`07-126-210`

Property Details

APN / Parcel Number

Primary APN	`07-126-210`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,344 sqft Living Area
1st Floor Area	1,344 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Wood
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	20,125 sqft (0.462 acres)
Garage Type	Carport
Garage Area	240 sqft
Carport	Carport
Carport Area	240 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Porch
Porch Area	96 sqft
Deck Area	144 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	100 SPRUCE ST
City	MATTHEWS
State	NC
Zip	28104-4906
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R-10 STALL
Legal Description	#10 BROOKFIELD PH2 PB7-7
Legal Subdivision	BROOKFIELD
Jurisdiction	UNION NC
Township / Civil Division	VANCE
Census Block Group	1
Census Block	1066
Census Tract	20312

Owner

Source: Union County records, as of March 31, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	100 SPRUCE ST, MATTHEWS, NC 28104-4906
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 4, 2022 · Amount on Record
Deed Sale	Oct 4, 2022 · Amount on Record
Prior Sale	Nov 30, 2004 · Amount on Record
Deed Document Number	202234410
Deed Book / Page	8584 / 692
Record Updated	Jun 8, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Oct 4, 2022
Property Address	100 SPRUCE ST, MATTHEWS, NC 28104-4906
Document Number	0008584692
Book / Page	8584 / 692
Map Reference	MB 7 PG 7
Instrument Date	Sep 27, 2022
Instrument	34410
Transaction Type	Transfer
Record Updated	Jun 13, 2023
Title Company	TRYON TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$490.00
Amount Accuracy	Rounded by County
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	127 STALLO ST, MONTE VISTA, CO 81144-1643

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	100 SPRUCE ST, MATTHEWS, NC 28104-4906

Mortgage

Document Number	0008584701
Date	Oct 4, 2022
Book Page	8584/701
Instrument	34411

Lender

Name	PARK PLACE FINANCE LLC
Type	Mortgage Company
Address	AUSTIN, TX 78731

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Oct 1, 2023

Tax Assessment & Valuation

Source: Union County assessment roll, as of March 31, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Union County
Municipality	Stallings Town
Unified School District	Union County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,779.00 (+13.97%)	$255,800 (+40.63%) Land $66,300 Building $189,500	$255,800 (+40.63%) Land $66,300 Building $189,500
2023	$1,561.00	$181,900 Land $38,400 Building $143,500	$181,900 Land $38,400 Building $143,500

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 14, 2026 · 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
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	1 (2026)
Most Recent Claim	May 2026 · 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

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

Wildfire Risk	Low lower than 97% of the US · lower than 98.5% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	UNION COUNTY WATER SYSTEM serves 169,685 people · EPA ID NC0190413
Water Source	Surface water
Last State Inspection	May 2026
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Mar 2020 Haloacetic acids resolved · Jul 2017
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 146 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Google Fiber Fiber	8,000 / 8,000
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Ripple Fiber Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20