Union County property record for 1040 Lake Forest Dr, Matthews, NC 28104
| Property Type | Rural Home |
|---|---|
| Details | 6 bd · 5 ba · 4,070 sqft · built 2013 |
| Lot Size | 0.413 acres (17,990 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,235,000 (Sep 2025) |
| Tax Bill | $5,238 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Sep 2025 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-099-306 |
| Primary APN | 06-099-306 |
|---|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 5 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 4,070 sqft Living Area |
| Basement Area | 2,042 sqft |
| Finished Basement | 2,042 sqft |
| Unfinished Basement | 2,042 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2013 |
| Architectural Style | Conventional |
| Construction Type | Wood |
| Roof Type | Hip |
| Lot Area | 17,990 sqft (0.413 acres) |
| Garage Type | Attached |
| Garage Area | 748 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 56 sqft |
| Deck Area | 168 sqft |
| Patio Area | 168 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1040 LAKE FOREST DR |
|---|---|
| City | MATTHEWS |
| State | NC |
| Zip | 28104-7411 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | RCD WEDDIN |
| Legal Description | #19 LAKE FOREST PRESERVE PH1A OPCI788 |
| Legal Subdivision | LAKE FOREST PRESERVE |
| Jurisdiction | UNION NC |
| Township / Civil Division | SANDY RIDGE |
| Census Block Group | 2 |
| Census Block | 2025 |
| Census Tract | 21018 |
Source: Union County records, as of March 31, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 720 RIDGE LAKE DR, MATTHEWS, NC 28104-7412 |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Apr 5, 2021 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Sep 19, 2025 | Warranty Deed, Transfer · VA Mortgage ENVOY MORTGAGE LTD |
| Jul 8, 2019 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Jul 8, 2019 | Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 19, 2025 · Amount on Record |
| Deed Sale | Sep 19, 2025 · Amount on Record |
| Prior Sale | Jul 8, 2019 · Amount on Record |
| Deed Document Number | 202524333 |
| Deed Book / Page | 9203 / 31 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 1040 LAKE FOREST DR, MATTHEWS, NC 28104-7411 |
| Transaction Type | Mortgage |
| Record Updated | Oct 9, 2025 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|
| Document Number | 0008050228 |
|---|---|
| Date | Apr 5, 2021 |
| Book Page | 8050/228 |
| Instrument | 15473 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | May 1, 2036 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Sep 19, 2025 |
| Property Address | 1040 LAKE FOREST DR, MATTHEWS, NC 28104-7411 |
| Document Number | 0000092033 |
| Book / Page | 9203 / 3 |
| Map Reference | CAB 1 FILE 788 |
| Instrument Date | Sep 18, 2025 |
| Instrument | 24333 |
| Transaction Type | Transfer |
| Record Updated | Oct 9, 2025 |
| Title Company | BLUEPRINT TITLE, BLUEPRINT TITLE NC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,470.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1142 W FANSHAWE DR, MEBANE, NC 27302-9969 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 720 RIDGE LAKE DR, MATTHEWS, NC 28104-7412 |
| Document Number | 0000024334 |
|---|---|
| Date | Sep 19, 2025 |
| Instrument | 24334 |
| Name | ENVOY MORTGAGE LTD |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Jul 8, 2019 |
| Property Address | 1040 LAKE FOREST DR, MATTHEWS, NC 28104-7411 |
| Document Number | 7409468 |
| Book / Page | 007409 / 000468 |
| Instrument Date | Jul 8, 2019 |
| Instrument | 19252 |
| Transaction Type | Transfer |
| Record Updated | Aug 5, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 1040 LAKE FOREST DR MATTHEWS NC 281047411, MATTHEWS, NC 28104-7411 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Jul 8, 2019 |
| Property Address | 1040 LAKE FOREST DR, MATTHEWS, NC 28104-7411 |
| Document Number | 0007409323 |
| Book / Page | 7409 / 323 |
| Map Reference | CAB 1 FILE 788 |
| Instrument Date | Jul 8, 2019 |
| Instrument | 0019228 |
| Transaction Type | Transfer |
| Record Updated | Dec 14, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,420.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1040 LAKE FOREST DR, MATTHEWS, NC 28104-7411 |
| Document Number | 0000019229 |
|---|---|
| Date | Jul 8, 2019 |
| Instrument | 0019229 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Aug 1, 2034 |
Source: Union County assessment roll, as of March 31, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Union County |
| Municipality | Weddington Town |
| Unified School District | Union County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,238.00 (-1.5%) | $1,048,600 (+35.43%) Land $197,000 Building $851,600 | $1,048,600 (+29.99%) Land $197,000 Building $851,600 |
| 2024 | $5,318.00 (+4.15%) | $774,300 (-4.02%) Land $124,500 Building $649,800 | |
| 2023 | $5,106.00 | $806,700 Land $124,500 Building $682,200 | $806,700 (+4.18%) Land $124,500 Building $682,200 |
| 2021 | $774,300 Land $124,500 Building $649,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 1 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.
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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 151 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Google Fiber Fiber | 8,000 / 8,000 |
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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