1113 Over Stream Ln, Matthews, NC 28105 Property Records

Union County property record for 1113 Over Stream Ln, Matthews, NC 28105 · Last verified April 2026

Property Summary

Property Type	Rural Home
Details	4 bd · 3.5 ba · 4,201 sqft · built 1995
Lot Size	0.86 acres (37,462 sqft)
Owner	2 Individual Names on File
Last Sale	$296,000 (Jun 1998)
Tax Bill	$5,369 (2025)
Deeds & Mortgages	Sep 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-144-262`

Property Details

APN / Parcel Number

Primary APN	`07-144-262`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	4,201 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Conventional
Exterior Material	Combination
Construction Type	Wood
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	37,462 sqft (0.86 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	96 sqft
Deck Area	414 sqft
Patio Area	414 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1113 OVER STREAM LN
City	MATTHEWS
State	NC
Zip	28105-6759
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	#18 PROVIDENCE HILLS I BLK 3 1113 OVERSTREAM LN
Legal Subdivision	PROVIDENCE HILLS
Legal Block	3
Legal Lot Number	18
Jurisdiction	UNION NC
Township / Civil Division	VANCE
Census Block Group	2
Census Block	2011
Census Tract	20314

Owner

Source: Union County records · APN 07-144-262

Assessment roll updated March 31, 2026 · Last verified April 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	1113 OVER STREAM LN, MATTHEWS, NC 28105-6759
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 23, 1998 · Amount on Record
Deed Sale	Jun 23, 1998 · Amount on Record
Deed Document Number	199849230
Deed Book / Page	1110 / 574
Record Updated	Jun 08, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1113 OVER STREAM LN, MATTHEWS, NC 28105-6759
Transaction Type	Mortgage
Record Updated	Oct 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008577732
Date	Sep 26, 2022
Book Page	8577/732
Instrument	33411

Lender

Name	STIFEL BANK & TRUST
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Oct 01, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	8.75%
Index	Other
Margin	3
Max Rate	8.75%

Tax Assessment & Valuation

Source: Union County records · Assessment roll updated March 31, 2026 · Last verified April 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,369.00 (+23.85%)	$816,300 (+56.86%) Land $125,000 Building $691,300	$816,300 (+56.86%) Land $125,000 Building $691,300
2023	$4,335.00	$520,400 Land $89,100 Building $431,300	$520,400 Land $89,100 Building $431,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Union County (37179C), updated September 14, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 371790203142, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	2 in force

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 259 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Google Fiber	Fiber	8,000 / 8,000
Spectrum	Cable	1,000 / 1,000
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: T-Mobile USA, Uniti Group, Ripple Fiber. Availability varies by address; speeds are provider-advertised maximums, not measured.