114 Topsail Ct, Matthews, NC 28104 Property Records

Union County property record for 114 Topsail Ct, Matthews, NC 28104

Property Summary

Property Type	Rural Home
Details	5 bd · 4.5 ba · 5,704 sqft · built 2006
Lot Size	0.476 acres (20,735 sqft)
Owner	2 Individual Names on Record
Last Sale	$700,000 (Feb 2019)
Tax Bill	$5,800 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Feb 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-099-249`

Property Details

APN / Parcel Number

Primary APN	`06-099-249`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	5,704 sqft Living Area
1st Floor Area	3,402 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Lot Area	20,735 sqft (0.476 acres)
Garage Type	Attached
Garage Area	748 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	363 sqft
Deck Area	224 sqft
Patio Area	224 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	114 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	#105 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	114 TOPSAIL CT, MATTHEWS, NC 28104-8070
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA
Feb 19, 2019	Warranty Deed, Transfer · ARM CITIZENS BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 19, 2019 · Amount on Record
Deed Sale	Feb 19, 2019 · Amount on Record
Prior Sale	Jun 29, 2006 · Amount on Record
Deed Document Number	20194131
Deed Book / Page	7315 / 810
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	114 TOPSAIL CT, WEDDINGTON, NC 28104-8070
Transaction Type	Mortgage
Record Updated	Dec 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007651809
Date	Apr 29, 2020
Book Page	7651/809
Instrument	14456

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Feb 19, 2019
Property Address	114 TOPSAIL CT, WEDDINGTON, NC 28104-8070
Document Number	0007315810
Book / Page	7315 / 810
Map Reference	CAB 1 FILE 745
Instrument Date	Feb 19, 2019
Instrument	0004131
Transaction Type	Transfer
Record Updated	Dec 14, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,400.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3130 COOL BRIDGE CIR # CIR3111-3, 3130, FORT MILL, SC 29715-8488

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	114 TOPSAIL CT, MATTHEWS, NC 28104-8070

Mortgage

Document Number	0000004132
Date	Feb 19, 2019
Instrument	0004132

Lender

Name	CITIZENS BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	Mar 1, 2029
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.87%
Index	1-Year LIBOR
Max Rate	8.87%

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		$1,161,000 (-) Land $197,000 Building $964,000	$1,161,000 (-) Land $197,000 Building $964,000
2025	$5,800.00 (+20.41%)	$1,161,000 (+52.56%) Land $197,000 Building $964,000	$1,161,000 (+52.56%) Land $197,000 Building $964,000
2023	$4,817.00	$761,000 Land $124,500 Building $636,500	$761,000 Land $124,500 Building $636,500

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

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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