1017 Elsmore Dr, Matthews, NC 28104 Property Records

Union County property record for 1017 Elsmore Dr, Matthews, NC 28104

Property Summary

Property Type	Rural Home
Details	4 bd · 3.5 ba · 3,346 sqft · built 2004
Lot Size	0.203 acres (8,843 sqft)
Owner	2 Company Names on File
Last Sale	$361,000 (Jun 2008)
Tax Bill	$5,102 (2025)
Deeds & Mortgages	Sep 2022 Mortgage Aug 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-150-145`

Property Details

APN / Parcel Number

Primary APN	`07-150-145`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	3,346 sqft Living Area
Gross Area	3,786 sqft
1st Floor Area	1,476 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	8,843 sqft (0.203 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	100 sqft
Deck Area	192 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	1017 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	#64 BROOKHAVEN PH1 MP1 OPCH821
Legal Subdivision	BROOKHAVEN
Jurisdiction	UNION NC
Township / Civil Division	VANCE
Census Block Group	2
Census Block	2010
Census Tract	20315

Owner

1017 Elsmore Dr, a rural home, is owned by a company that acquired it in July 2025.

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 Company Names on File
Mailing Address	1017 ELSMORE DR, MATTHEWS, NC 28104-6830
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2022	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Aug 1, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Feb 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Aug 30, 2017	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 6, 2008 · Amount on File
Deed Sale	Jun 6, 2008 · Amount on File
Prior Sale	May 19, 2006 · Amount on File
Deed Document Number	200821869
Deed Book / Page	4911 / 41
Last Transfer Date	Jul 28, 2025
Transfer Doc	0009167180
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1017 ELSMORE DR, MATTHEWS, NC 28104-6830
Transaction Type	Mortgage
Record Updated	Oct 18, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008580673
Date	Sep 28, 2022
Book Page	8580/673
Instrument	33813

Lender

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

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Type Change Date	Oct 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	9.37%
Index	Other
Max Rate	9.37%

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1017 ELSMORE DR, MATTHEWS, NC 28104-6830
Transaction Type	Mortgage
Record Updated	Aug 16, 2022
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008538351
Date	Aug 1, 2022
Book Page	8538/351
Instrument	27143

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	Jul 20, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1017 ELSMORE DR, MATTHEWS, NC 28104-6830
Transaction Type	Mortgage
Record Updated	Feb 22, 2021
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7975296
Date	Feb 2, 2021
Book Page	7975/296
Instrument	4893

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	1.75%
Type Change Date	Apr 1, 2021
Change Frequency	Annually
Min Rate At Change	1.62%
Max Rate At Change	1.2%
Index	1-Year LIBOR
Max Rate	1.2%

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1017 ELSMORE DR, MATTHEWS, NC 28104-6830
Document Number	7008190
Book / Page	007008 / 000190
Instrument Date	Aug 30, 2017
Transaction Type	Mortgage
Record Updated	Nov 6, 2017
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1017 ELSMORE DR MATTHEWS NC 281046830, MATTHEWS, NC 28104-6830

Mortgage

Document Number	7008190
Date	Sep 1, 2017
Book Page	007008/000190
Instrument	25948

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 31, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.25%

Tax Assessment & Valuation

The 2025 property tax bill for 1017 Elsmore Dr was $5,102.

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		$776,700 (-) Land $163,000 Building $613,700	$776,700 (-) Land $163,000 Building $613,700
2025	$5,102.00	$776,700 Land $163,000 Building $613,700	$776,700 Land $163,000 Building $613,700
2023	$3,534.00	$424,100 Land $89,700 Building $334,400	$424,100 Land $89,700 Building $334,400

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

Flood

FEMA maps place 1017 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 1017 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 67% of the US · above 43% 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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