105 Topsail Ct, Matthews, NC 28104 Property Records

Union County property record for 105 Topsail Ct, Matthews, NC 28104

Property Summary

Property Type	Rural Home
Details	4 bd · 3.5 ba · 3,457 sqft · built 2010
Lot Size	0.362 acres (15,769 sqft)
Owner	2 Individual Names on Record
Last Sale	$555,000 (Jul 2020)
Tax Bill	$4,047 (2025)
Deeds & Mortgages	Jul 2020 Sale & Mortgage Apr 2019 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`06-099-246`

Property Details

APN / Parcel Number

Primary APN	`06-099-246`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	3,457 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Architectural Style	Conventional
Construction Type	Wood
Foundation Type	No Foundation
Roof Type	Gable
Lot Area	15,769 sqft (0.362 acres)
Garage Type	Attached
Garage Area	647 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	45 sqft
Deck Area	168 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	105 TOPSAIL CT
City	MATTHEWS
State	NC
Zip	28104-8070
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	RCD WEDDIN
Legal Description	#108 LAKE FOREST PRESERVE PH1B OPCI745
Legal Subdivision	LAKE FOREST PRESERVE
Jurisdiction	UNION NC
Township / Civil Division	SANDY RIDGE
Census Block Group	2
Census Block	2011
Census Tract	21018

Owner

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	105 TOPSAIL CT, MATTHEWS, NC 28104-8070
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2020	Warranty Deed, Transfer · Conventional Mortgage INDEPENDENT BANK
Apr 23, 2019	Correction Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE CO
Apr 18, 2019	Warranty Deed, Transfer · Conventional Mortgage SUNTRUST BANK
Jan 29, 2019	Warranty Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE CO
Jan 26, 2017	Deed of Trust, Mortgage · Line of Credit CHARLOTTE METRO CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2020 · Amount on Record
Deed Sale	Jul 7, 2020 · Amount on Record
Prior Sale	Apr 18, 2019 · Amount on Record
Deed Document Number	202024739
Deed Book / Page	7726 / 632
Record Updated	Jun 8, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Jul 7, 2020
Property Address	105 TOPSAIL CT, MATTHEWS, NC 28104-8070
Document Number	0007726632
Book / Page	7726 / 632
Map Reference	CAB I FILE 745
Instrument Date	Jul 6, 2020
Instrument	24739
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	MERIDIAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,110.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	113 TOPSAIL CT, 113, WEDDINGTON, NC 28104-8070

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 TOPSAIL COURT, MATTHEWS, NC 28104

Mortgage

Document Number	0000024740
Date	Jul 7, 2020
Instrument	24740

Lender

Name	INDEPENDENT BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

April 2019: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	UNION NC
Recording Date	Apr 23, 2019
Property Address	105 TOPSAIL CT, MATTHEWS, NC 28104-8070
Document Number	7354581
Book / Page	007354 / 000581
Instrument Date	Apr 19, 2019
Instrument	10484
Transaction Type	Transfer
Record Updated	Jun 4, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	105 TOPSAIL CT MATTHEWS NC 281048070, MATTHEWS, NC 28104-8070

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Apr 18, 2019
Property Address	105 TOPSAIL CT, MATTHEWS, NC 28104-8070
Document Number	0007352884
Book / Page	7352 / 884
Map Reference	CAB 1 FILE 745
Instrument Date	Apr 5, 2019
Instrument	0010181
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,080.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1301 1ST AVE FL 3131, 1301, SEATTLE, WA 98101-2074

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 TOPSAIL CT, MATTHEWS, NC 28104-8070

Mortgage

Document Number	0000010182
Date	Apr 18, 2019
Instrument	0010182

Lender

Name	SUNTRUST BANK
Type	Bank

Agreement

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

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Jan 29, 2019
Property Address	105 TOPSAIL CT, MATTHEWS, NC 28104-8070
Document Number	7305291
Book / Page	007305 / 000291
Instrument Date	Jan 29, 2019
Instrument	2288
Transaction Type	Transfer
Record Updated	Feb 8, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount Recorded
Tax	$1,066.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Partnership
Address	1301 2ND AVE #F131 SEATTLE WA 981013800, F131, SEATTLE, WA 98101-3800

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	105 TOPSAIL CT, MATTHEWS, NC 28104-8070
Document Number	6867301
Book / Page	006867 / 000301
Instrument Date	Jan 26, 2017
Transaction Type	Mortgage
Record Updated	Apr 13, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 TOPSAIL CT MATTHEWS NC 281048070, MATTHEWS, NC 28104-8070

Mortgage

Document Number	6867301
Date	Jan 30, 2017
Book Page	006867/000301
Instrument	2499

Lender

Name	CHARLOTTE METRO CU
Type	Credit Union
Address	CHARLOTTE, NC 28204

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jan 29, 2032

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Union County assessment roll, as of March 31, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Union County
Municipality	Weddington Town
Unified School District	Union County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,047.00 (+16.13%)	$810,100 (+47.1%) Land $197,000 Building $613,100	$810,100 (+47.1%) Land $197,000 Building $613,100
2023	$3,485.00	$550,700 Land $124,500 Building $426,200	$550,700 Land $124,500 Building $426,200

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

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	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.

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	Direct burnable vegetation

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 84 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

May also be available: Windstream.

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