1025 Elsmore Dr, Matthews, NC 28104 Property Records

Union County property record for 1025 Elsmore Dr, Matthews, NC 28104

Property Summary

Property Type	Rural Home
Details	4 bd · 3.5 ba · 4,020 sqft · built 2004
Lot Size	0.215 acres (9,365 sqft)
Owner	2 Individual Names on File
Last Sale	$925,000 (May 2025)
Tax Bill	$5,612 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Jul 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`07-150-149`

Property Details

APN / Parcel Number

Primary APN	`07-150-149`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	4,020 sqft Living Area
Gross Area	4,598 sqft
1st Floor Area	1,730 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Conventional
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,365 sqft (0.215 acres)
Garage Type	Attached
Garage Area	594 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	135 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1025 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	#68 BROOKHAVEN PH1/MP1 OPCH820-823
Legal Subdivision	BROOKHAVEN
Jurisdiction	UNION NC
Township / Civil Division	VANCE
Census Block Group	2
Census Block	2010
Census Tract	20315

Owner

1025 Elsmore Dr, a rural home, is owned and occupied by two individuals who bought it in May 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	1025 ELSMORE DR, MATTHEWS, NC 28104-6830
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Nov 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Jul 15, 2020	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 21, 2025 · Amount on File
Deed Sale	May 21, 2025 · Amount on File
Prior Sale	May 30, 2024 · Amount on File
Deed Document Number	202512518
Deed Book / Page	9122 / 463
Prior Transfer Date	Jun 30, 2008
Prior Transfer Doc	4929891
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1025 ELSMORE DR, MATTHEWS, NC 28104-6830
Transaction Type	Mortgage
Record Updated	Dec 2, 2021
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	8307409
Date	Nov 9, 2021
Book Page	8307/409
Instrument	53302

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	GREENVILLE, SC 29611

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Dec 1, 2026
Change Frequency	5 Years
Min Rate At Change	2.75%
Max Rate At Change	4.75%
Index	5-Year CMT
Max Rate	8.75%

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1025 ELSMORE DR, MATTHEWS, NC 28104-6830
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1025 ELSMORE DR, MATTHEWS, NC 28104-6830

Mortgage

Document Number	7736326
Date	Jul 15, 2020
Book Page	7736/326
Instrument	26188

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 1025 Elsmore Dr was $5,612.

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		$853,700 (-) Land $163,000 Building $690,700	$853,700 (-) Land $163,000 Building $690,700
2025	$5,612.00	$853,700 Land $163,000 Building $690,700	$853,700 Land $163,000 Building $690,700
2023	$3,875.00	$465,700 Land $89,700 Building $376,000	$465,700 Land $89,700 Building $376,000

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

Flood

FEMA maps place 1025 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 1025 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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