106 Topsail Ct, Matthews, NC 28104 Property Records

Union County property record for 106 Topsail Ct, Matthews, NC 28104

Property Summary

Property Type	Rural Home
Details	5 bd · 4 ba · 4,381 sqft · built 2006
Lot Size	0.362 acres (15,769 sqft)
Owner	2 Individual Names on Record
Last Sale	$565,000 (Sep 2016)
Tax Bill	$4,511 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit Nov 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-099-251`

Property Details

APN / Parcel Number

Primary APN	`06-099-251`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	4,381 sqft Living Area
1st Floor Area	2,329 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Conventional
Exterior Material	Other
Construction Type	Wood
Foundation Type	Raised
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	15,769 sqft (0.362 acres)
Garage Type	Attached
Garage Area	679 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	248 sqft
Patio Area	156 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	106 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	#103 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 October 20, 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	106 TOPSAIL CT, MATTHEWS, NC 28104-8070
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 13, 2022	Deed of Trust, Mortgage · Line of Credit TRULIANT FCU
Nov 24, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 1, 2016 · Amount on Record
Deed Sale	Sep 1, 2016 · Amount on Record
Prior Sale	Jul 2, 2007 · Amount on Record
Deed Document Number	201626772
Deed Book / Page	6760 / 544
Last Transfer Date	Nov 17, 2021
Transfer Doc	0008324439
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	106 TOPSAIL CT, MATTHEWS, NC 28104-8070
Transaction Type	Mortgage
Record Updated	Dec 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008499350
Date	Jun 13, 2022
Book Page	8499/350
Instrument	21097

Lender

Name	TRULIANT FCU
Type	Credit Union
Address	WINSTON SALEM, NC 27103

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 7, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	UNION NC
Recording Date	Nov 24, 2021
Property Address	106 TOPSAIL CT, MATTHEWS, NC 28104-8070
Document Number	0008324439
Book / Page	8324 / 439
Map Reference	CAB 1 FILE 745
Instrument Date	Nov 17, 2021
Instrument	55824
Transaction Type	Transfer
Record Updated	Dec 12, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	106 TOPSAIL CT, WEDDINGTON, NC 28104-8070

Mortgage

Document Number	0000055825
Date	Nov 24, 2021
Instrument	55825

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

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

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
2026		$903,100 (-) Land $197,000 Building $706,100	$903,100 (-) Land $197,000 Building $706,100
2025	$4,511.00 (+13.71%)	$903,100 (+44.08%) Land $197,000 Building $706,100	$903,100 (+44.08%) Land $197,000 Building $706,100
2023	$3,967.00	$626,800 Land $124,500 Building $502,300	$626,800 Land $124,500 Building $502,300

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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