1012 Elsmore Dr, Matthews, NC 28104 Property Records

Union County property record for 1012 Elsmore Dr, Matthews, NC 28104

Property Summary

Property Type	Rural Home
Details	4 bd · 3.5 ba · 3,481 sqft · built 2007
Lot Size	0.213 acres (9,278 sqft)
Owner	2 Individual Names on File
Last Sale	$385,000 (Apr 2014)
Tax Bill	$4,971 (2025)
Deeds & Mortgages	Jul 2023 Line of Credit Feb 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-150-627`

Property Details

APN / Parcel Number

Primary APN	`07-150-627`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	3,481 sqft Living Area
1st Floor Area	1,654 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,278 sqft (0.213 acres)
Garage Type	Attached
Garage Area	632 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	190 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1012 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	#83 BROOKHAVEN PH1 MP11 OPCJ884
Legal Subdivision	BROOKHAVEN
Jurisdiction	UNION NC
Township / Civil Division	VANCE
Census Block Group	2
Census Block	2011
Census Tract	20315

Owner

1012 Elsmore Dr, a rural home, is owned and occupied by two individuals who bought it in April 2014.

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

Owner of Record	2 Individual Names on File
Mailing Address	1012 ELSMORE DR, MATTHEWS, NC 28104-6830
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
Jul 6, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Feb 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2014 · Amount on File
Deed Sale	Apr 1, 2014 · Amount on File
Prior Sale	Apr 11, 2011 · Amount on File
Deed Document Number	20147630
Deed Book / Page	6202 / 258
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1012 ELSMORE DR, MATTHEWS, NC 28104-6830
Transaction Type	Mortgage
Record Updated	Jul 20, 2023
Title Company	WFG LENDER SERVICES, WFG LENDER SERVICES RESWARE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008739464
Date	Jul 6, 2023
Book Page	8739/464
Instrument	16058

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	Jun 24, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1012 ELSMORE DR, MATTHEWS, NC 28104-6830
Document Number	7597359
Instrument Date	Feb 24, 2020
Transaction Type	Mortgage
Record Updated	Mar 23, 2020
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1012 ELSMORE DR MATTHEWS NC 281046830, MATTHEWS, NC 28104-6830

Mortgage

Document Number	7597359
Date	Feb 28, 2020
Book Page	007597/000359
Instrument	6724

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Feb 27, 2040

Tax Assessment & Valuation

The 2025 property tax bill for 1012 Elsmore Dr was $4,971.

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		$773,900 (-) Land $163,000 Building $610,900	$773,900 (-) Land $163,000 Building $610,900
2025	$4,971.00	$773,900 Land $163,000 Building $610,900	$773,900 Land $163,000 Building $610,900
2023	$3,749.00	$456,100 Land $89,700 Building $366,400	$456,100 Land $89,700 Building $366,400

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

Flood

FEMA maps place 1012 Elsmore 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
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 1012 Elsmore Dr is low, with a 0.02% 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	0.02% 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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