116 Carls Rd, Matthews, NC 28104 Property Records

Union County property record for 116 Carls Rd, Matthews, NC 28104

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,130 sqft · built 1984
Lot Size	1.19 acres (51,836 sqft)
Owner	2 Individual Names on File
Last Sale	$623,000 (Jun 2021)
Tax Bill	$3,514 (2025)
Deeds & Mortgages	Dec 2017 Second Mortgage May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-117-065`

Property Details

APN / Parcel Number

Primary APN	`06-117-065`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	2,130 sqft Living Area
1st Floor Area	1,065 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	51,836 sqft (1.19 acres)

Exterior Amenities

Porch	Slab
Porch Area	1,158 sqft
Deck Area	Deck Area
Shed	1 Shed
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	116 CARLS RD
City	MATTHEWS
State	NC
Zip	28104
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-40 WEDDI
Legal Description	#41 MANDY''S PLANTATION OPCA156B
Legal Subdivision	MANDYS PLANTATION
Jurisdiction	UNION NC
Township / Civil Division	SANDY RIDGE
Census Block Group	1
Census Block	1014
Census Tract	21019

Owner

116 Carls Rd is owned 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	116 CARI LN, MATTHEWS, NC 28104-7709
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
Dec 11, 2017	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
May 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Jun 24, 2021	Warranty Deed, Transfer · Conventional Mortgage RELIANCE FIRST CAPITAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 24, 2021 · Amount on File
Deed Sale	Jun 24, 2021 · Amount on File
Prior Sale	Aug 2, 2012 · Amount on File
Deed Document Number	202129986
Deed Book / Page	8148 / 155
Record Updated	Oct 29, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	116 CARLS RD, MATTHEWS, NC 28104
Transaction Type	Mortgage
Record Updated	Aug 24, 2022
Title Company	LENDERLIVE SETTLEMENT SERVIC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007068238
Date	Dec 11, 2017
Book Page	7068/238
Instrument	0036038

Lender

Name	DISCOVER BANK
Type	Bank
Address	NEW CASTLE, DE 19720

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	239 Months
Due	Nov 27, 2037

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	116 CARLS RD, MATTHEWS, NC 28104
Transaction Type	Mortgage
Record Updated	Aug 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007661795
Date	May 8, 2020
Book Page	7661/795
Instrument	15708

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2050

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Jun 24, 2021
Property Address	116 CARLS RD, MATTHEWS, NC 28104
Document Number	0008148155
Book / Page	8148 / 155
Map Reference	CAB A FILE 156-B
Instrument Date	Jun 24, 2021
Instrument	29986
Transaction Type	Transfer
Record Updated	Aug 24, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,246.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4932 WINDING LN, 4932, INDIAN TRAIL, NC 28079-3650

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	116 CARI LN, MATTHEWS, NC 28104-7709

Mortgage

Document Number	0000029987
Date	Jun 24, 2021
Instrument	29987

Lender

Name	RELIANCE FIRST CAPITAL LLC
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 116 Carls Rd was $3,514.

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		$703,400 (-) Land $127,600 Building $575,800	$703,400 (-) Land $127,600 Building $575,800
2025	$3,514.00	$703,400 Land $127,600 Building $575,800	$703,400 Land $127,600 Building $575,800
2023	$2,950.00	$466,100 Land $65,700 Building $400,400	$466,100 Land $65,700 Building $400,400

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

Flood

FEMA maps place 116 Carls Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.

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	9 in force
Nearby Flood Claims	1 (2020)
Most Recent Claim	Feb 2020 · rainfall accumulation

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 116 Carls Rd is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 67% of the US · above 43% of North Carolina
Wildfire Likelihood	0.04% 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 112 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Google Fiber, Windstream.

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