1010 Cherry Laurel Dr, Waxhaw, NC 28173 Property Records

Union County property record for 1010 Cherry Laurel Dr, Waxhaw, NC 28173

Property Summary

Property Type	Rural Home
Details	4 bd · 3.5 ba · 4,013 sqft · built 2018
Lot Size	0.482 acres (20,996 sqft)
Owner	2 Individual Names on File
Last Sale	$1,315,000 (Jul 2024)
Tax Bill	$6,050 (2025)
Deeds & Mortgages	Oct 2019 Mortgage Nov 2018 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-204-325`

Property Details

APN / Parcel Number

Primary APN	`06-204-325`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	4,013 sqft Living Area
1st Floor Area	2,232 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Lot Area	20,996 sqft (0.482 acres)
Garage Type	Attached
Garage Area	720 sqft
Porch	Slab
Porch Area	300 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1010 CHERRY LAUREL DR
City	WAXHAW
State	NC
Zip	28173-0286
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R-40 UNION
Legal Description	#108 OLDENBURG PH1 OPCN628-630
Legal Subdivision	OLDENBURG
Jurisdiction	UNION NC
Township / Civil Division	SANDY RIDGE
Census Block Group	1
Census Block	1017
Census Tract	21007

Owner

1010 Cherry Laurel Dr, a rural home, is owned and occupied by two individuals who bought it in July 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	1010 CHERRY LAUREL DR, WAXHAW, NC 28173-0286
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
Oct 28, 2019	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN SECURITY MORTGAGE CORP
Nov 27, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Feb 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN SECURITY MORTGAGE CORP
Aug 17, 2018	Grant Deed, Transfer · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 8, 2024 · Amount on File
Deed Sale	Jul 8, 2024 · Amount on File
Prior Sale	Aug 17, 2018 · Amount on File
Deed Document Number	202415679
Deed Book / Page	8934 / 183
Record Updated	Oct 29, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1010 CHERRY LAUREL DR, WAXHAW, NC 28173-0286
Transaction Type	Mortgage
Record Updated	Aug 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007501379
Date	Oct 28, 2019
Book Page	7501/379
Instrument	0033254

Lender

Name	AMERICAN SECURITY MORTGAGE CORP
Type	Mortgage Company
Address	CHARLOTTE, NC 28211

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2034

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1010 CHERRY LAUREL DR, WAXHAW, NC 28173-0286
Transaction Type	Mortgage
Record Updated	Aug 24, 2022
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007273715
Date	Nov 27, 2018
Book Page	7273/715
Instrument	0032630

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Oct 26, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1010 CHERRY LAUREL DR, WAXHAW, NC 28173-0286
Transaction Type	Mortgage
Record Updated	Aug 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007979335
Date	Feb 5, 2021
Book Page	7979/335
Instrument	5478

Lender

Name	AMERICAN SECURITY MORTGAGE CORP
Type	Mortgage Company
Address	CHARLOTTE, NC 28207

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2036

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	UNION NC
Recording Date	Aug 17, 2018
Property Address	1010 CHERRY LAUREL DR, WAXHAW, NC 28173-0286
Document Number	7218895
Book / Page	007218 / 000895
Instrument Date	Aug 17, 2018
Instrument	23422
Transaction Type	Transfer
Record Updated	Sep 28, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,407.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1010 CHERRY LAUREL DR WAXHAW NC 281730286, WAXHAW, NC 28173-0286

Mortgage

Document Number	7218898
Date	Aug 17, 2018
Book Page	007218/000898
Instrument	23423

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 16, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 1010 Cherry Laurel Dr was $6,050.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,302,300 (-) Land $293,400 Building $1,008,900	$1,302,300 (-) Land $293,400 Building $1,008,900
2025	$6,050.00	$1,302,300 Land $293,400 Building $1,008,900	$1,302,300 Land $293,400 Building $1,008,900
2023	$4,881.00	$780,400 Land $175,100 Building $605,300	$780,400 Land $175,100 Building $605,300

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

Flood

FEMA maps place 1010 Cherry Laurel Dr in Zone X, an area of minimal flood risk.

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 File median of 11 policies
Nearby Flood Policies	11 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 1010 Cherry Laurel Dr is low, with a 0.03% annual chance of 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	0.03% 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	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 101 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 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Comporium.

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