1108 Over Stream Ln, Matthews, NC 28105 Property Records

Union County property record for 1108 Over Stream Ln, Matthews, NC 28105

Property Summary

Property Type	Rural Home
Details	5 bd · 3.5 ba · 3,257 sqft · built 1994
Lot Size	0.62 acres (27,007 sqft)
Owner	2 Individual Names on File
Last Sale	$430,000 (Jul 2020)
Tax Bill	$4,782 (2025)
Deeds & Mortgages	Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-144-258`

Property Details

APN / Parcel Number

Primary APN	`07-144-258`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	3,257 sqft Living Area
Gross Area	3,855 sqft
1st Floor Area	2,696 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	27,007 sqft (0.62 acres)
Garage Type	Attached
Garage Area	598 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	60 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1108 OVER STREAM LN
City	MATTHEWS
State	NC
Zip	28105-6754
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	SF-1 INDIA
Legal Description	#22 BLK 2 PROVIDENCE HILLS OPCC575
Legal Subdivision	PROVIDENCE HILLS
Legal Block	2
Jurisdiction	UNION NC
Township / Civil Division	VANCE
Census Block Group	2
Census Block	2010
Census Tract	20314

Owner

1108 Over Stream Ln, a rural home, is owned and occupied by two individuals who acquired it in May 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	1108 OVER STREAM LN, MATTHEWS, NC 28105-6754
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 16, 2020 · Amount on File
Deed Sale	Jul 16, 2020 · Amount on File
Prior Sale	Feb 26, 2008 · Amount on File
Deed Document Number	202026444
Deed Book / Page	7738 / 236
Last Transfer Date	May 13, 2025
Transfer Doc	0009120579
Record Updated	Oct 29, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Jul 16, 2020
Property Address	1108 OVER STREAM LN, MATTHEWS, NC 28105-6754
Document Number	7738236
Book / Page	007738 / 000236
Instrument Date	Jul 16, 2020
Instrument	26444
Transaction Type	Transfer
Record Updated	Aug 27, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$860.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	139 DICKINSON DR SHELTON CT 064841675, SHELTON, CT 06484-1675

Mortgage

Document Number	7738238
Date	Jul 16, 2020
Book Page	007738/000238
Instrument	26445

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jul 15, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1108 Over Stream Ln was $4,782.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$725,600 (-) Land $125,000 Building $600,600	$725,600 (-) Land $125,000 Building $600,600
2025	$4,782.00	$725,600 Land $125,000 Building $600,600	$725,600 Land $125,000 Building $600,600
2023	$3,776.00	$452,300 Land $89,100 Building $363,200	$452,300 Land $89,100 Building $363,200

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

Flood

FEMA maps place 1108 Over Stream Ln 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	2 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 1108 Over Stream Ln is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 97.4% of North Carolina
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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 430 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ripple Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Windstream DSL · Fiber in parts of the area	200 / 20

May also be available: Google Fiber.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Over Stream Ln

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