Mecklenburg County property record for 12910 Phillips Rd, Matthews, NC 28105
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,796 sqft · built 2004 |
| Lot Size | 0.377 acres (16,440 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $545,000 (Mar 2024) |
| Tax Bill | $4,371 (2023) |
| Deeds & Mortgages | Mar 2021 Mortgage Mar 2024 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 193-334-53 |
| Primary APN | 193-334-53 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,796 sqft Heated Area |
| Gross Area | 3,260 sqft |
| 1st Floor Area | 1,376 sqft |
| Upper Floors Area | 1,420 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Lot Area | 16,440 sqft (0.377 acres) |
| Garage Area | 464 sqft |
| Deck Area | 250 sqft |
| Patio Area | 290 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Old Parcel Number | 193-334-53 |
|---|---|
| Street Address | 12910 PHILLIPS RD |
| City | MATTHEWS |
| State | NC |
| Zip | 28105-4151 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-15 |
| Legal Description | L82 M39-67 |
| Legal Subdivision | MILLSTONE RDG PH 01 MAP 01 |
| Legal Lot Number | 82 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 13, MORNING STAR |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 5709 |
Source: Mecklenburg County records, as of April 12, 2024
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 12910 PHILLIPS RD, MATTHEWS, NC 28105-4151 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 1, 2021 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Mar 14, 2024 | Warranty Deed, Transfer · Conventional Mortgage CAPITAL BANK NA |
| Dec 7, 2017 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Dec 23, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Mar 22, 2017 | Warranty Deed, Transfer · FHA Mortgage WR STARKEY MORTGAGE LLP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 14, 2024 · Amount on Record |
| Deed Sale | Mar 14, 2024 · Amount on Record |
| Prior Sale | Dec 23, 2020 |
| Deed Document Number | 2024022665 |
| Deed Book / Page | 38689 / 374 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 12910 PHILLIPS RD, MATTHEWS, NC 28105-4151 |
| Transaction Type | Mortgage |
| Record Updated | May 22, 2026 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0000038993 |
|---|---|
| Date | Mar 1, 2021 |
| Book Page | 35735/60 |
| Instrument | 2021038993 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Mar 14, 2024 |
| Property Address | 12910 PHILLIPS RD, MATTHEWS, NC 28105-4151 |
| Document Number | 0000022665 |
| Book / Page | 38689 / 374 |
| Map Reference | MB 37 PG 681 |
| Instrument Date | Mar 14, 2024 |
| Instrument | 2024022665 |
| Transaction Type | Transfer |
| Record Updated | May 22, 2026 |
| Title Company | SURE TITLE COMPANY LLC, SREC TITLE COMPANY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,090.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2503 SADDLEBRED WAY, MONROE, NC 28110-7111 |
| Name | Verified Name |
|---|---|
| Address | 12910 PHILLIPS RD, MATTHEWS, NC 28105-4151 |
| Investor | Possibly a Property Investor |
| Document Number | 0000022666 |
|---|---|
| Date | Mar 14, 2024 |
| Instrument | 2024022666 |
| Name | CAPITAL BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 12910 PHILLIPS RD, MATTHEWS, NC 28105-4151 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000163925 |
|---|---|
| Date | Dec 7, 2017 |
| Book Page | 32322/925 |
| Instrument | 2017163925 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 354 Months |
| Due | Jun 1, 2047 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Dec 23, 2020 |
| Property Address | 12910 PHILLIPS RD, MATTHEWS, NC 28105-4151 |
| Document Number | 0000219145 |
| Book / Page | 035474 / 000915 |
| Instrument Date | Dec 4, 2020 |
| Instrument | 219145 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2021 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Separate Estate/Property |
| Address | 12910 PHILLIPS RD MATTHEWS NC 281054151, MATTHEWS, NC 28105-4151 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Mar 22, 2017 |
| Property Address | 12910 PHILLIPS RD, MATTHEWS, NC 28105-4151 |
| Document Number | 0000036486 |
| Book / Page | 31655 / 430 |
| Map Reference | MB37 PG681 |
| Instrument Date | Mar 22, 2017 |
| Instrument | 2017036486 |
| Transaction Type | Transfer |
| Record Updated | Jun 15, 2021 |
| Title Company | THINK TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $580.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 97 MARKET POINT DR # DR706, 97, GREENVILLE, SC 29607-4135 |
| Name | Verified Name |
|---|---|
| Address | 12910 PHILLIPS RD, MATTHEWS, NC 28105-4151 |
| Document Number | 0000036487 |
|---|---|
| Date | Mar 22, 2017 |
| Instrument | 2017036487 |
| Name | WR STARKEY MORTGAGE LLP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2047 |
Source: Mecklenburg County assessment roll, as of January 1, 2023
| 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 |
|---|---|---|---|
| 2023 | $4,371.00 | $479,400 Land $100,000 Building $379,400 | $479,400 Land $100,000 Building $379,400 |
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 October 3, 2024 · 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 | 7 in force |
| Nearby Flood Claims | 6 (1982–2015) |
| Claims Outside the SFHA | 6 of 6 |
| Most Recent Claim | Aug 2015 · 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.
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 | None beyond ember reach |
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 170 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Google Fiber Fiber | 8,000 / 8,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| Windstream DSL · Fiber in parts of the area | 100 / 20 |
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