1217 Clover Ln, Matthews, NC 28104 Property Records

Union County property record for 1217 Clover Ln, Matthews, NC 28104

Property Summary

Property Type	Other Improved
Details	5 bd · 3.5 ba · 3,614 sqft · built 2021
Lot Size	0.287 acres (12,502 sqft)
Owner	2 Individual Names on File
Last Sale	$562,000 (Feb 2022)
Tax Bill	$4,383 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Feb 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-147-778`

Property Details

APN / Parcel Number

Primary APN	`07-147-778`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	3,614 sqft Living Area
1st Floor Area	1,212 sqft
Basement Area	1,212 sqft
Unfinished Basement	1,212 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Lot Area	12,502 sqft (0.287 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1217 CLOVER LN
City	MATTHEWS
State	NC
Zip	28104-6119
Property Category	Other
Property Type	Other > Other Improved
Local Zoning Code	MR STALLIN
Legal Description	#44 CHESTNUT PLACE II PH1 MAP1 OPCM359
Legal Subdivision	CHESNUT PLACE II
Jurisdiction	UNION NC
Township / Civil Division	VANCE
Census Block Group	1
Census Block	1025
Census Tract	20314

Owner

1217 Clover Ln is owned and occupied by two individuals who bought it in February 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	1217 CLOVER LN, MATTHEWS, NC 28104-6119
Occupancy	Owner Occupied
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
Jul 7, 2021	Deed of Trust, Mortgage · Commercial Mortgage TRUIST BANK
Feb 10, 2022	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Feb 11, 2020	Loan Modification, Mortgage · Line of Credit FIRST NAT'L BK/PA
Mar 2, 2017	Loan Modification, Mortgage · Line of Credit TEXAS CAP BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 10, 2022 · Amount on File
Deed Sale	Feb 10, 2022 · Amount on File
Prior Sale	Nov 4, 2015 · Amount on File
Deed Document Number	20225146
Deed Book / Page	8395 / 600
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1217 CLOVER LN, MATTHEWS, NC 28104-6119
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2649 BREKONRIDGE CENTRE DR 104, 104, MONROE, NC 28110-5632
Investor	Possibly a Property Investor

Mortgage

Document Number	0008163202
Date	Jul 7, 2021
Book Page	8163/202
Instrument	32128

Lender

Name	TRUIST BANK
Type	Bank
Address	ORLANDO, FL 32801

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

February 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Feb 10, 2022
Property Address	1217 CLOVER LN, MATTHEWS, NC 28104-6119
Document Number	0008395600
Book / Page	8395 / 600
Map Reference	CAB M FILE 359-362
Instrument Date	Feb 10, 2022
Instrument	5146
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 31, 2026
Title Company	INDEPENDENCE TITLE GROUP LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,124.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2649 BREKONRIDGE CENTRE DR, MONROE, NC 28110-5629

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1217 CLOVER LN, MATTHEWS, NC 28104-6119

Mortgage

Document Number	0000005147
Date	Feb 10, 2022
Instrument	5147

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

February 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	UNION NC
Property Address	1217 CLOVER LN, MATTHEWS, NC 28104-6119
Document Number	7583676
Instrument Date	Feb 11, 2020
Transaction Type	Mortgage
Record Updated	Mar 10, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1217 CLOVER LN STALLINGS NC 28104, STALLINGS, NC 28104
Investor	Possibly a Property Investor

Mortgage

Document Number	7583676
Date	Feb 12, 2020
Book Page	007583/000676
Instrument	4731

Lender

Name	FIRST NAT'L BK/PA
Type	Bank
Address	1005 HIGH HOUSE RD, CARY, NC 27513-3586

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

March 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	UNION NC
Recording Date	Mar 2, 2017
Property Address	1217 CLOVER LN, MATTHEWS, NC 28104-6119
Book / Page	006886 / 000203
Instrument Date	Feb 28, 2017
Instrument	5778
Transaction Type	Mortgage
Record Updated	May 23, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Investor	Possibly a Property Investor

Mortgage

Document Number	6886203
Date	Mar 2, 2017
Book Page	006886/000203
Instrument	5778

Lender

Name	TEXAS CAP BK
Type	Bank
Address	2350 LAKESIDE BLVD # 800, RICHARDSON, TX 75082-4340

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1217 Clover Ln was $4,383.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$644,900 (-) Land $117,500 Building $527,400	$644,900 (-) Land $117,500 Building $527,400
2025	$4,383.00	$644,900 Land $117,500 Building $527,400	$644,900 Land $117,500 Building $527,400
2023	$3,715.00	$452,100 Land $84,900 Building $367,200	$452,100 Land $84,900 Building $367,200

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

Flood

FEMA maps place 1217 Clover Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Flood Insurance Cost	Premium on File median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	1 (2018)
Most Recent Claim	Sep 2018 · Hurricane Florence

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 1217 Clover Ln is low, with a 0.03% 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	0.03% 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 361 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	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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