109 Topsail Ct, Matthews, NC 28104 Property Records

Union County property record for 109 Topsail Ct, Matthews, NC 28104

Property Summary

Property Type	Rural Home
Details	6 bd · 3.5 ba · 4,587 sqft · built 2007
Lot Size	0.4 acres (17,424 sqft)
Owner	2 Individual Names on File
Last Sale	$475,000 (Apr 2008)
Tax Bill	$4,732 (2025)
Deeds & Mortgages	Apr 2018 Mortgage Dec 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-099-247`

Property Details

APN / Parcel Number

Primary APN	`06-099-247`

Interior

Bedrooms	6 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	4,587 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Conventional
Exterior Material	Stone
Construction Type	Wood
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	17,424 sqft (0.4 acres)
Garage Type	Attached
Garage Area	738 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	284 sqft
Deck Area	372 sqft
Patio Area	372 sqft
Arbor/Pergola	Arbor/Pergola

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	109 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	#107 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 assessment roll, 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 File
Mailing Address	109 TOPSAIL CT, MATTHEWS, NC 28104-8070
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 25, 2018	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Dec 2, 2020	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Oct 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 1, 2008 · Amount on Record
Deed Sale	Apr 1, 2008 · Amount on Record
Deed Document Number	200812450
Deed Book / Page	4855 / 335
Record Updated	Jun 8, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	109 TOPSAIL CT, WEDDINGTON, NC 28104-8070
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7143168
Date	Apr 25, 2018
Book Page	7143/168
Instrument	0010852

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2048

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	109 TOPSAIL CT, WEDDINGTON, NC 28104-8070
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7907466
Date	Dec 2, 2020
Book Page	7907/466
Instrument	50118

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Nov 21, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	109 TOPSAIL CT, WEDDINGTON, NC 28104-8070
Document Number	7498135
Instrument Date	Oct 18, 2019
Transaction Type	Mortgage
Record Updated	Nov 7, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN EQUITY LOAN SVC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 TOPSAIL CT WEDDINGTON NC 281048070, WEDDINGTON, NC 28104-8070

Mortgage

Document Number	7498135
Date	Oct 24, 2019
Book Page	007498/000135
Instrument	32809

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 23, 2049

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	$4,732.00 (+12.37%)	$947,300 (+42.37%) Land $197,000 Building $750,300	$947,300 (+42.37%) Land $197,000 Building $750,300
2023	$4,211.00	$665,400 Land $124,500 Building $540,900	$665,400 Land $124,500 Building $540,900

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 at the parcel

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 USA Fixed Wireless	100 / 20

May also be available: Uniti Group.

Nearby Properties on Topsail Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures