1011 Harrogate Ln, Matthews, NC 28104 Property Records

Union County property record for 1011 Harrogate Ln, Matthews, NC 28104

Property Summary

Property Type	Rural Home
Details	4 bd · 3.5 ba · 3,850 sqft · built 2005
Lot Size	0.203 acres (8,843 sqft)
Owner	2 Individual Names on File
Last Sale	$485,000 (Jul 2020)
Tax Bill	$5,527 (2025)
Deeds & Mortgages	Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-150-543`

Property Details

APN / Parcel Number

Primary APN	`07-150-543`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	3,850 sqft Living Area
1st Floor Area	1,710 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	8,843 sqft (0.203 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	488 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1011 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	#487 BROOKHAVEN PH3 MP2 OPCI952
Legal Subdivision	BROOKHAVEN
Jurisdiction	UNION NC
Township / Civil Division	VANCE
Census Block Group	3
Census Block	3004
Census Tract	20315

Owner

1011 Harrogate Ln, a rural home, is owned and occupied by two individuals who bought it in July 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	1011 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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 13, 2020 · Amount on File
Deed Sale	Jul 13, 2020 · Amount on File
Prior Sale	Mar 29, 2011 · Amount on File
Deed Document Number	202025789
Deed Book / Page	7733 / 452
Prior Transfer Date	Sep 18, 2012
Prior Transfer Doc	0005831453
Record Updated	Oct 29, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Jul 13, 2020
Property Address	1011 HARROGATE LN, MATTHEWS, NC 28104-6874
Document Number	0007733452
Book / Page	7733 / 452
Map Reference	CAB I FILE 952
Instrument Date	Jul 10, 2020
Instrument	25789
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	CAROLINA TITLE VENTURES LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$970.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1011 HARROGATE LN, MATTHEWS, NC 28104-6874

Mortgage

Document Number	0000025790
Date	Jul 13, 2020
Instrument	25790

Lender

Name	PENTAGON FCU
Type	Credit Union

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 1011 Harrogate Ln was $5,527.

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		$840,700 (-) Land $163,000 Building $677,700	$840,700 (-) Land $163,000 Building $677,700
2025	$5,527.00	$840,700 Land $163,000 Building $677,700	$840,700 Land $163,000 Building $677,700
2023	$3,821.00	$459,100 Land $89,700 Building $369,400	$459,100 Land $89,700 Building $369,400

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

Flood

FEMA maps place 1011 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 1011 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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