Mecklenburg County property record for 12935 Phillips Rd, Matthews, NC 28105
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,299 sqft · built 2004 |
| Lot Size | 0.26 acres (11,337 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $285,000 (Dec 2016) |
| Tax Bill | $4,601 (2023) |
| Deeds & Mortgages | Aug 2024 Sale & Mortgage Feb 2019 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 193-334-78 |
| Primary APN | 193-334-78 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,299 sqft Heated Area |
| Gross Area | 3,961 sqft |
| 1st Floor Area | 1,536 sqft |
| Upper Floors Area | 1,388 sqft |
| Attic Area | 375 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 11,337 sqft (0.26 acres) |
| Garage Area | 550 sqft |
| Porch | Porch |
| Porch Area | 112 sqft |
| Patio Area | 732 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Old Parcel Number | 193-334-78 |
|---|---|
| Street Address | 12935 PHILLIPS RD |
| City | MATTHEWS |
| State | NC |
| Zip | 28105-4151 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-20 |
| Legal Description | L90 M39-67 |
| Legal Subdivision | MILLSTONE RDG PH 01 MAP 01 |
| Legal Lot Number | 90 |
| 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 May 24, 2023
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 | 12935 PHILLIPS RD, MATTHEWS, NC 28105-4151 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 9, 2024 | Warranty Deed, Transfer · Conventional Mortgage LOWER LLC |
| Feb 20, 2019 | Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK |
| Apr 6, 2020 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Jan 18, 2021 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 13, 2016 · Amount on Record |
| Deed Sale | Dec 13, 2016 · Amount on Record |
| Prior Sale | Jan 29, 2013 |
| Deed Document Number | 0031415756 |
| Deed Book / Page | 31415 / 756 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Aug 9, 2024 |
| Property Address | 12935 PHILLIPS RD, MATTHEWS, NC 28105-4151 |
| Document Number | 0000075023 |
| Book / Page | 38997 / 614 |
| Instrument Date | Aug 9, 2024 |
| Instrument | 2024075023 |
| Transaction Type | Transfer |
| Record Updated | May 22, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,060.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9910 TREMONT PLACE RD, CHARLOTTE, NC 28227-3666 |
| Name | Verified Name |
|---|---|
| Address | 12935 PHILLIPS RD, MATTHEWS, NC 28105-4151 |
| Document Number | 0000075024 |
|---|---|
| Date | Aug 9, 2024 |
| Book Page | 38997/617 |
| Instrument | 2024075024 |
| Name | LOWER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MD 21044 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 12935 PHILLIPS RD, MATTHEWS, NC 28105-4151 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000018529 |
|---|---|
| Date | Feb 20, 2019 |
| Book Page | 33295/424 |
| Instrument | 2019018529 |
| Name | THE FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60607 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Mar 1, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 12935 PHILLIPS RD, MATTHEWS, NC 28105-4151 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000048196 |
|---|---|
| Date | Apr 6, 2020 |
| Book Page | 34444/504 |
| Instrument | 2020048196 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 167 Months |
| Due | Mar 1, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 12935 PHILLIPS RD, MATTHEWS, NC 28105-4151 |
| Document Number | 0000012647 |
| Instrument Date | Jan 18, 2021 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2021 |
| Title Company | INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 12935 PHILLIPS RD MATTHEWS NC 281054151, MATTHEWS, NC 28105-4151 |
| Document Number | 0000012647 |
|---|---|
| Date | Jan 22, 2021 |
| Book Page | 035578/000100 |
| Instrument | 12647 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 156 Months |
| Due | Jan 21, 2034 |
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) |
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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