1007 Elsmore Dr, Matthews, NC 28104 Property Records

Union County property record for 1007 Elsmore Dr, Matthews, NC 28104

Property Summary

Property Type	Rural Home
Details	4 bd · 3.5 ba · 4,188 sqft · built 2005
Lot Size	0.206 acres (8,973 sqft)
Owner	Individual Name on Record
Last Sale	$488,000 (Apr 2020)
Tax Bill	$5,706 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Apr 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-150-363`

Property Details

APN / Parcel Number

Primary APN	`07-150-363`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	4,188 sqft Living Area
1st Floor Area	1,896 sqft
Basement Area	1,896 sqft
Unfinished Basement	1,896 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Conventional
Construction Type	Wood
Roof Type	Gable
Lot Area	8,973 sqft (0.206 acres)
Garage Type	Attached
Garage Area	430 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	429 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1007 ELSMORE DR
City	MATTHEWS
State	NC
Zip	28104-6830
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	SF-2 INDIA
Legal Description	#59 BROOKHAVEN PH1/MP8 OPCI275
Legal Subdivision	BROOKHAVEN
Jurisdiction	UNION NC
Township / Civil Division	VANCE
Census Block Group	2
Census Block	2010
Census Tract	20315

Owner

Source: Union County records, as of October 20, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	1007 ELSMORE DR, MATTHEWS, NC 28104-6830
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2021	Deed of Trust, Mortgage · VA Mortgage GUARANTEED RATE INC
Apr 1, 2020	Warranty Deed, Transfer · VA Mortgage PNC BANK NA
Mar 6, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 1, 2020 · Amount on Record
Deed Sale	Apr 1, 2020 · Amount on Record
Prior Sale	Mar 31, 2014 · Amount on Record
Deed Document Number	202010961
Deed Book / Page	7626 / 275
Prior Transfer Date	Mar 1, 2017
Prior Transfer Doc	6888209
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1007 ELSMORE DR, MATTHEWS, NC 28104-6830
Transaction Type	Mortgage
Record Updated	Mar 19, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL AGENCY SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	8006585
Date	Mar 1, 2021
Book Page	8006/585
Instrument	9288

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Apr 1, 2020
Property Address	1007 ELSMORE DR, MATTHEWS, NC 28104-6830
Document Number	0007626275
Book / Page	7626 / 275
Map Reference	CAB I FILE 275
Instrument Date	Apr 1, 2020
Instrument	10961
Transaction Type	Transfer
Record Updated	Dec 14, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$976.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2002 AINSDALE DR, 2002, MATTHEWS, NC 28104-6875

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1007 ELSMORE DR, MATTHEWS, NC 28104-6830

Mortgage

Document Number	0000010962
Date	Apr 1, 2020
Instrument	10962

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

March 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	UNION NC
Recording Date	Mar 6, 2017
Property Address	1007 ELSMORE DR, MATTHEWS, NC 28104-6830
Document Number	0006888209
Book / Page	6888 / 209
Map Reference	CAB I FILE 275
Instrument Date	Mar 1, 2017
Instrument	0006094
Transaction Type	Transfer
Record Updated	Dec 14, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1007 ELSMORE DR, MATTHEWS, NC 28104-6830

Mortgage

Document Number	0000006095
Date	Mar 6, 2017
Instrument	0006095

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$934,800 (-) Land $163,000 Building $771,800	$934,800 (-) Land $163,000 Building $771,800
2025	$5,706.00 (+44.02%)	$934,800 (+77.28%) Land $163,000 Building $771,800	$934,800 (+77.28%) Land $163,000 Building $771,800
2023	$3,962.00	$527,300 Land $89,700 Building $437,600	$527,300 Land $89,700 Building $437,600

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
Nearby Flood Policies	2 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

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 224 locations within half a mile, as of December 31, 2025

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

May also be available: Windstream.

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