Union County property record for 118 S White St, Marshville, NC 28103
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,673 sqft · built 2021 |
| Lot Size | 0.383 acres (16,683 sqft) |
| Owner | Individual Name on File |
| Last Sale | $278,000 (Oct 2021) |
| Tax Bill | $3,092 (2025) |
| Deeds & Mortgages | Oct 2021 Sale & Mortgage Apr 2021 Sale & Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-311-007A |
| Primary APN | 02-311-007A |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,673 sqft Total Area |
| 1st Floor Area | 1,673 sqft |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Lot Area | 16,683 sqft (0.383 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 118 S WHITE ST |
|---|---|
| City | MARSHVILLE |
| State | NC |
| Zip | 28103-1160 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | #2 OPCP731 |
| Jurisdiction | UNION NC |
| Township / Civil Division | MARSHVILLE |
| Census Block Group | 4 |
| Census Block | 4030 |
| Census Tract | 20800 |
118 S White St is owned by an individual who bought it in October 2021.
Source: Union County records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 401 S WHITE ST, MARSHVILLE, NC 28103-1470 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 21, 2021 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage TRUIST BANK |
| Apr 30, 2021 | Warranty Deed, Transfer · Construction Mortgage SHEPHERDS FINANCE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 21, 2021 · Amount on File |
| Deed Sale | Oct 21, 2021 · Amount on File |
| Prior Sale | Apr 30, 2021 · Amount on File |
| Deed Document Number | 202150449 |
| Deed Book / Page | 8288 / 6 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Oct 21, 2021 |
| Property Address | 118 S WHITE ST, MARSHVILLE, NC 28103-1160 |
| Document Number | 0000082886 |
| Book / Page | 8288 / 6 |
| Map Reference | CAB P FILE 731 |
| Instrument Date | Oct 21, 2021 |
| Instrument | 50449 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Mar 31, 2026 |
| Title Company | FOREHAND TITLE COMPANY, MOREHEAD TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $556.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2113 WRIGHT RD, INDIAN TRAIL, NC 28079-8720 |
| Name | Verified Name |
|---|---|
| Address | 118 S WHITE ST, MARSHVILLE, NC 28103-1160 |
| Document Number | 0000050450 |
|---|---|
| Date | Oct 21, 2021 |
| Instrument | 50450 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Apr 30, 2021 |
| Property Address | 118 S WHITE ST, MARSHVILLE, NC 28103-1160 |
| Document Number | 0008084423 |
| Book / Page | 8084 / 423 |
| Map Reference | CAB P FILE 731 |
| Instrument Date | Apr 29, 2021 |
| Instrument | 20500 |
| Transaction Type | Transfer |
| Record Updated | Mar 31, 2026 |
| Title Company | MOREHEAD TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Tax | $69.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1504 TOM HELMS RD, MONROE, NC 28110-9791 |
| Name | Verified Name |
|---|---|
| Address | 2113 WRIGHT RD, INDIAN TRAIL, NC 28079-8720 |
| Document Number | 0008099748 |
|---|---|
| Date | May 13, 2021 |
| Book Page | 8099/748 |
| Instrument | 22810 |
| Name | SHEPHERDS FINANCE LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | JACKSONVILLE, FL 32258 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 118 S White St was $3,092.
Source: Union County assessment roll, as of March 31, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Union County |
| Municipality | Marshville Town |
| Unified School District | Union County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $318,400 (-) Land $42,800 Building $275,600 | $318,400 (-) Land $42,800 Building $275,600 | |
| 2025 | $3,092.00 | $318,400 Land $42,800 Building $275,600 | $318,400 Land $42,800 Building $275,600 |
| 2023 | $3,108.00 | $271,500 Land $19,100 Building $252,400 | $271,500 Land $19,100 Building $252,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 118 S White St 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 risk around 118 S White St 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN OF MARSHVILLE serves 3,163 people · EPA ID NC0190015 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Feb 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Corrosion control Apr 2018 |
| 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.
Source: FCC Broadband Data Collection, based on 150 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber · DSL in parts of the area | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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