1014 Harrogate Ln, Matthews, NC 28104 Property Records

Union County property record for 1014 Harrogate Ln, Matthews, NC 28104

Property Summary

Property Type	Rural Home
Details	4 bd · 3.5 ba · 3,486 sqft · built 2005
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on Record
Last Sale	$870,000 (Jun 2025)
Tax Bill	$5,184 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Dec 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-150-548`

Property Details

APN / Parcel Number

Primary APN	`07-150-548`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	3,486 sqft Living Area
1st Floor Area	1,526 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	9,148 sqft (0.21 acres)
Garage Type	Attached
Garage Area	478 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1014 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	#492 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

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1009 WESTBURY DR, MATTHEWS, NC 28104-6886
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 6, 2022	Warranty Deed, Transfer · Conventional Mortgage TOWNEBANK MORTGAGE
Dec 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage HIGHLANDS RESIDENTIAL MORTGAGE LTD
Nov 27, 2019	Deed of Trust, Mortgage · Conventional Mortgage HIGHLANDS RESIDENTIAL MORTGAGE LTD
Jul 9, 2018	Warranty Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 25, 2025 · Amount on Record
Deed Sale	Jun 25, 2025 · Amount on Record
Prior Sale	Jun 6, 2022 · Amount on Record
Deed Document Number	202515946
Deed Book / Page	9145 / 745
Record Updated	Oct 29, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Jun 6, 2022
Property Address	1014 HARROGATE LN, MATTHEWS, NC 28104-6874
Document Number	0008495306
Book / Page	8495 / 306
Map Reference	CAB I FILE 952
Instrument Date	Jun 6, 2022
Instrument	20453
Transaction Type	Transfer
Record Updated	Jun 20, 2022
Title Company	CAROLINA TITLE INSURANCE, CARDINAL TITLE INSURANCE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,418.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1609 MILLBRIDGE PKWY, 1609, WAXHAW, NC 28173-4517

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000020455
Date	Jun 6, 2022
Instrument	20455

Lender

Name	TOWNEBANK MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1014 HARROGATE LN, MATTHEWS, NC 28104-6874
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7932672
Date	Dec 23, 2020
Book Page	7932/672
Instrument	53767

Lender

Name	HIGHLANDS RESIDENTIAL MORTGAGE LTD
Type	Mortgage Company
Address	DALLAS, TX 75243

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1014 HARROGATE LN, MATTHEWS, NC 28104-6874
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7527749
Date	Nov 27, 2019
Book Page	7527/749
Instrument	0037245

Lender

Name	HIGHLANDS RESIDENTIAL MORTGAGE LTD
Type	Mortgage Company
Address	DALLAS, TX 75243

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Jul 9, 2018
Property Address	1014 HARROGATE LN, MATTHEWS, NC 28104-6874
Document Number	0007191752
Book / Page	7191 / 752
Map Reference	CAB I FILE 952
Instrument Date	Jul 9, 2018
Instrument	0018774
Transaction Type	Transfer
Record Updated	Dec 14, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$840.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6612 SUMMERLIN PL, 6612, CHARLOTTE, NC 28226-7542

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1014 HARROGATE LN, MATTHEWS, NC 28104-6874

Mortgage

Document Number	0000018775
Date	Jul 9, 2018
Instrument	0018775

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2048

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		$789,300 (-) Land $163,000 Building $626,300	$789,300 (-) Land $163,000 Building $626,300
2025	$5,184.00 (+43.92%)	$789,300 (+82.54%) Land $163,000 Building $626,300	$789,300 (+82.54%) Land $163,000 Building $626,300
2023	$3,602.00	$432,400 Land $89,700 Building $342,700	$432,400 Land $89,700 Building $342,700

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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	0.01% 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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