1103 Veramonte Dr, Matthews, NC 28104 Property Records

Union County property record for 1103 Veramonte Dr, Matthews, NC 28104

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 5,147 sqft · built 2013
Lot Size	1.02 acres (44,431 sqft)
Owner	2 Individual Names on File
Last Sale	$975,000 (Jun 2021)
Tax Bill	$6,219 (2025)
Deeds & Mortgages	Aug 2023 Line of Credit Feb 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-045-185`

Property Details

APN / Parcel Number

Primary APN	`06-045-185`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	5,147 sqft Living Area
1st Floor Area	2,290 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Type	Hip
Lot Area	44,431 sqft (1.02 acres)
Garage Type	Attached
Garage Area	1,098 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	272 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1103 VERAMONTE DR
City	MATTHEWS
State	NC
Zip	28104-6245
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-40 WESLE
Legal Description	#41 QUINTESSA PH3 MP3 OPCI532
Legal Subdivision	QUINTESSA
Jurisdiction	UNION NC
Township / Civil Division	SANDY RIDGE
Census Block Group	2
Census Block	2018
Census Tract	21021

Owner

1103 Veramonte Dr is owned and occupied by two individuals who bought it in June 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	1103 VERAMONTE DR, MATTHEWS, NC 28104-6245
Occupancy	Owner Occupied
Owner Type	Individual

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
Aug 2, 2023	Deed of Trust, Mortgage · Line of Credit BETHPAGE FCU
Feb 23, 2022	Deed of Trust, Mortgage · Line of Credit BETHPAGE FCU
Jun 23, 2021	Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 23, 2021 · Amount on File
Deed Sale	Jun 23, 2021 · Amount on File
Prior Sale	Dec 30, 2014 · Amount on File
Deed Document Number	202129750
Deed Book / Page	8146 / 425
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1103 VERAMONTE DR, MATTHEWS, NC 28104-6245
Transaction Type	Mortgage
Record Updated	Aug 21, 2023
Title Company	PRIORITY TITLE AND ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1103 VERAMONTE DR, MATTHEWS, NC 28104-6245

Mortgage

Document Number	0008755891
Date	Aug 2, 2023
Book Page	8755/891
Instrument	18557

Lender

Name	BETHPAGE FCU
Type	Credit Union
Address	MATTHEWS, NC 28104

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Jul 28, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1103 VERAMONTE DR, MATTHEWS, NC 28104-6245
Transaction Type	Mortgage
Record Updated	Aug 24, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008407751
Date	Feb 23, 2022
Book Page	8407/751
Instrument	6964

Lender

Name	BETHPAGE FCU
Type	Credit Union
Address	BETHPAGE, NY 11714

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Feb 28, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Jun 23, 2021
Property Address	1103 VERAMONTE DR, MATTHEWS, NC 28104-6245
Document Number	0008146425
Book / Page	8146 / 425
Map Reference	CAB I FILE 532-535
Instrument Date	Jun 22, 2021
Instrument	29750
Transaction Type	Transfer
Record Updated	Aug 24, 2022
Title Company	HARBOR CITY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,950.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1405 SARATOGA WOODS DR, 1405, WAXHAW, NC 28173-7896

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1103 VERAMONTE DR, WESLEY CHAPEL, NC 28104-6245

Mortgage

Document Number	0000029751
Date	Jun 23, 2021
Instrument	29751

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 1103 Veramonte Dr was $6,219.

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

Property Jurisdictions

Type	Name
State	North Carolina
County	Union County
Municipality	Wesley Chapel Village
Unified School District	Union County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,276,800 (-) Land $242,700 Building $1,034,100	$1,276,800 (-) Land $242,700 Building $1,034,100
2025	$6,219.00	$1,276,800 Land $242,700 Building $1,034,100	$1,276,800 Land $242,700 Building $1,034,100
2023	$5,127.00	$803,200 Land $150,800 Building $652,400	$803,200 Land $150,800 Building $652,400

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

Flood

FEMA maps place 1103 Veramonte 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	3 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 1103 Veramonte 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 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.02% 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	EASTWOOD FOREST MHP private · serves 375 people · EPA ID NC0160137
Water Source	Groundwater
Last State Inspection	Apr 2026
Also Mapped Here	UNION COUNTY WATER SYSTEM
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 101 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Windstream.

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