1010 Harrogate Ln, Matthews, NC 28104 Property Records

Union County property record for 1010 Harrogate Ln, Matthews, NC 28104

Property Summary

Property Type	Rural Home
Details	4 bd · 3.5 ba · 4,032 sqft · built 2005
Lot Size	0.205 acres (8,930 sqft)
Owner	2 Individual Names on File
Last Sale	$845,000 (May 2024)
Tax Bill	$5,637 (2025)
Deeds & Mortgages	May 2024 Sale & Mortgage Apr 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-150-550`

Property Details

APN / Parcel Number

Primary APN	`07-150-550`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	4,032 sqft Living Area
1st Floor Area	1,733 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	8,930 sqft (0.205 acres)
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	130 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1010 HARROGATE LN
City	MATTHEWS
State	NC
Zip	28104-6874
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	SF-2 INDIA
Legal Description	#494 BROOKHAVEN PH3 MP2 OPCI952
Legal Subdivision	BROOKHAVEN
Jurisdiction	UNION NC
Township / Civil Division	VANCE
Census Block Group	3
Census Block	3005
Census Tract	20315

Owner

1010 Harrogate Ln, a rural home, is owned and occupied by two individuals who bought it in May 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	1010 HARROGATE LN, MATTHEWS, NC 28104-6874
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
May 10, 2024	Warranty Deed, Transfer · VA Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Apr 19, 2023	Warranty Deed, Transfer · Conventional Mortgage TRUIST BANK
Aug 25, 2022	Warranty Deed, Transfer · Conventional Mortgage CELEBRITY HOME LOANS LLC
Jun 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN SECURITY MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 10, 2024 · Amount on File
Deed Sale	May 10, 2024 · Amount on File
Prior Sale	Apr 19, 2023 · Amount on File
Deed Document Number	202410713
Deed Book / Page	8902 / 1
Record Updated	Oct 29, 2026

May 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	May 10, 2024
Property Address	1010 HARROGATE LN, MATTHEWS, NC 28104-6874
Document Number	0000089021
Book / Page	8902 / 1
Map Reference	CAB 1 PG 952
Instrument Date	May 10, 2024
Instrument	10713
Transaction Type	Transfer
Record Updated	May 21, 2024

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,690.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2725 SW FAIRMONT DR, CORVALLIS, OR 97333-1421

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1010 HARROGATE LN, MATTHEWS, NC 28104-6874
Investor	Possibly a Property Investor

Mortgage

Document Number	0000010714
Date	May 10, 2024
Instrument	10714

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2054

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Apr 19, 2023
Property Address	1010 HARROGATE LN, MATTHEWS, NC 28104-6874
Document Number	0008691783
Book / Page	8691 / 783
Map Reference	CAB I PG 952
Instrument Date	Apr 18, 2023
Instrument	8950
Transaction Type	Transfer
Record Updated	May 8, 2023
Title Company	NOT AVAILABLE, TRYON TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,650.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	313 BIRMINGHAM AVE # 1, 1, CAROLINA BCH, NC 28428-5324

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1010 HARROGATE LN, MATTHEWS, NC 28104-6874

Mortgage

Document Number	0000008951
Date	Apr 19, 2023
Instrument	8951

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2053

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Aug 25, 2022
Property Address	1010 HARROGATE LN, MATTHEWS, NC 28104-6874
Document Number	0008556401
Book / Page	8556 / 401
Map Reference	CAB I PG 952
Instrument Date	Aug 24, 2022
Instrument	30055
Transaction Type	Transfer
Record Updated	Sep 13, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,550.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4022 CAMROSE CROSSING LN, 4022, MATTHEWS, NC 28104-6831

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000030056
Date	Aug 25, 2022
Instrument	30056

Lender

Name	CELEBRITY HOME LOANS LLC

Agreement

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

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1010 HARROGATE LN, MATTHEWS, NC 28104-6874
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7703377
Date	Jun 16, 2020
Book Page	7703/377
Instrument	21537

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1010 Harrogate Ln was $5,637.

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		$857,500 (-) Land $163,000 Building $694,500	$857,500 (-) Land $163,000 Building $694,500
2025	$5,637.00	$857,500 Land $163,000 Building $694,500	$857,500 Land $163,000 Building $694,500
2023	$3,901.00	$468,900 Land $89,700 Building $379,200	$468,900 Land $89,700 Building $379,200

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

Flood

FEMA maps place 1010 Harrogate Ln 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
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

Wildfire risk around 1010 Harrogate Ln is low, with a 0.01% 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	0.01% 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 210 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

May also be available: AT&T, Windstream.

Cell Coverage

5G (outdoors only) and 4G LTE

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