Mecklenburg County property record for 12401 Bentcreek Ln, Matthews, NC 28105
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,458 sqft · built 1989 |
| Lot Size | 0.29 acres (12,632 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $502,000 (Jul 2026) |
| Tax Bill | $3,340 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Jun 2023 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 193-401-57 |
| Primary APN | 193-401-57 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,458 sqft Living Area |
| 1st Floor Area | 1,196 sqft |
| Upper Floors Area | 1,230 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 12,632 sqft (0.29 acres) |
| Garage Area | 480 sqft |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 290 sqft |
| Deck Area | 216 sqft |
| Patio Area | 406 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 12401 BENTCREEK LN |
|---|---|
| City | MATTHEWS |
| State | NC |
| Zip | 28105-0836 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-12 |
| Legal Description | L57 M22-112 |
| Legal Subdivision | SOUTHWOODS |
| Legal Block | 1 |
| Legal Lot Number | 57 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 13, MORNING STAR |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 5709 |
12401 Bentcreek Ln is owned and occupied by two individuals who bought it in July 2026.
Source: Mecklenburg County records, as of August 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 12401 BENTCREEK LN, MATTHEWS, NC 28105-0836 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | His Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 17, 2026 | Warranty Deed, Transfer · Conventional Mortgage AMERICAN SECURITY MORTGAGE CORPORATION |
| Jun 20, 2023 | Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO |
| Jul 8, 2021 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC |
| May 6, 2020 | Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 17, 2026 · Amount on File |
| Deed Sale | Jul 17, 2026 · Amount on File |
| Prior Sale | May 6, 2020 · Amount on File |
| Deed Document Number | 202676655 |
| Deed Book / Page | 40580 / 887 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Jul 17, 2026 |
| Property Address | 12401 BENTCREEK LN, MATTHEWS, NC 28105-0836 |
| Document Number | 0000076655 |
| Book / Page | 40580 / 887 |
| Instrument Date | Jul 17, 2026 |
| Instrument | 202676655 |
| Transaction Type | Transfer |
| Record Updated | Aug 4, 2026 |
| Title Company | TITLE PREMIER LLC, LIBERTY PREMIER TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $101,404.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12401 BENTCREEK LN, MATTHEWS, NC 28105-0836 |
| Document Number | 0000076656, |
|---|---|
| Date | Jul 17, 2026 |
| Book Page | 40580/890 |
| Instrument | 202676656 |
| Name | AMERICAN SECURITY MORTGAGE CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.48% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 12401 BENTCREEK LN, MATTHEWS, NC 28105-0836 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2023 |
| Title Company | STEWART TITLE, STEWART TTL GUARANTY NON CA |
| Name | Verified Name |
|---|---|
| Address | 12401 BENTCREEK LN, MATTHEWS, NC 28105-0836 |
| Document Number | 0000057113 |
|---|---|
| Date | Jun 20, 2023 |
| Book Page | 38193/936 |
| Instrument | 2023057113 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 12401 BENTCREEK LN, MATTHEWS, NC 28105-0836 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000131922 |
|---|---|
| Date | Jul 8, 2021 |
| Book Page | 36271/147 |
| Instrument | 2021131922 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | May 6, 2020 |
| Property Address | 12401 BENTCREEK LN, MATTHEWS, NC 28105-0836 |
| Document Number | 0000064449 |
| Book / Page | 034549 / 000351 |
| Instrument Date | May 6, 2020 |
| Instrument | 64449 |
| Transaction Type | Transfer |
| Record Updated | Jun 17, 2020 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $584.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 12401 BENTCREEK LN MATTHEWS NC 281050836, MATTHEWS, NC 28105-0836 |
| Document Number | 64450 |
|---|---|
| Date | May 6, 2020 |
| Book Page | 034549/000353 |
| Instrument | 64450 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 5, 2050 |
The 2025 property tax bill for 12401 Bentcreek Ln was $3,340.
Source: Mecklenburg County assessment roll, as of September 9, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mecklenburg County |
| Municipality | Matthews Town |
| Unified School District | Charlotte-Mecklenburg Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,340.00 | $425,500 Land $90,000 Building $335,500 | $425,500 Land $90,000 Building $335,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12401 Bentcreek Ln in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective October 3, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 12401 Bentcreek 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 66% of the US · above 46% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CHARLOTTE WATER serves 1,206,285 people · EPA ID NC0160010 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jul 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 299 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Google Fiber Fiber | 8,000 / 8,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Windstream DSL · Fiber in parts of the area | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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