Union County property record for 1237 Ladera Dr, Waxhaw, NC 28173
| Property Type | Rural Home |
|---|---|
| Details | 5 bd · 5.5 ba · 5,340 sqft · built 2018 |
| Lot Size | 0.582 acres (25,352 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $797,000 (Jun 2018) |
| Tax Bill | $8,478 (2025) |
| Deeds & Mortgages | Oct 2020 Mortgage Jan 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-225-324 |
| Primary APN | 06-225-324 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 5.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 5,340 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Construction Type | Wood |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Lot Area | 25,352 sqft (0.582 acres) |
| Garage Type | Attached |
| Garage Area | 897 sqft |
| Porch | Slab |
| Porch Area | 452 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1237 LADERA DR |
|---|---|
| City | WAXHAW |
| State | NC |
| Zip | 28173-0045 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | #28 LADERA PH1 OPCM480-481 |
| Legal Subdivision | LADERA |
| Jurisdiction | UNION NC |
| Township / Civil Division | SANDY RIDGE |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 21016 |
Source: Union County records, as of March 31, 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 | 1237 LADERA DR, WAXHAW, NC 28173-0045 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 19, 2020 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FEDERAL MORTGAGE CORP |
| Jan 28, 2020 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FEDERAL MORTGAGE CORP |
| Jun 29, 2018 | Warranty Deed, Transfer · ARM AMERICAN FEDERAL MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 29, 2018 · Amount on Record |
| Deed Sale | Jun 29, 2018 · Amount on Record |
| Deed Document Number | 201817988 |
| Deed Book / Page | 7186 / 779 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 1237 LADERA DR, WAXHAW, NC 28173-0045 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 7850668 |
|---|---|
| Date | Oct 19, 2020 |
| Book Page | 7850/668 |
| Instrument | 42191 |
| Name | AMERICAN FEDERAL MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | CHESTER, NJ 07930 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Nov 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 1237 LADERA DR, WAXHAW, NC 28173-0045 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 7572526 |
|---|---|
| Date | Jan 28, 2020 |
| Book Page | 7572/526 |
| Instrument | 0002956 |
| Name | AMERICAN FEDERAL MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | CHESTER, NJ 07930 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Jun 29, 2018 |
| Property Address | 1237 LADERA DR, WAXHAW, NC 28173-0045 |
| Document Number | 0007186779 |
| Book / Page | 7186 / 779 |
| Map Reference | CAB M PG 480-481 |
| Instrument Date | Jun 29, 2018 |
| Instrument | 0017988 |
| Transaction Type | Transfer |
| Record Updated | Dec 14, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,594.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6701 CARMEL RD STE 425, 6701, CHARLOTTE, NC 28226-0203 |
| Name | Verified Name |
|---|---|
| Address | 1237 LADERA DR, WAXHAW, NC 28173-0045 |
| Document Number | 0000017989 |
|---|---|
| Date | Jun 29, 2018 |
| Instrument | 0017989 |
| Name | AMERICAN FEDERAL MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.62% |
| Type Change Date | Jul 1, 2023 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 5.62% |
| Index | 1-Year LIBOR |
| Max Rate | 8.62% |
Source: Union County assessment roll, as of March 31, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Union County |
| Unified School District | Union County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,478.00 (+52.26%) | $1,824,900 (+104.98%) Land $347,700 Building $1,477,200 | $1,824,900 (+104.98%) Land $347,700 Building $1,477,200 |
| 2023 | $5,568.00 | $890,300 Land $167,800 Building $722,500 | $890,300 Land $167,800 Building $722,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 5 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.
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: FCC Broadband Data Collection, based on 184 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Windstream Fiber · DSL in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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