Union County property record for 1304 Hammond Dr, Matthews, NC 28104
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,654 sqft · built 2004 |
| Lot Size | 0.176 acres (7,667 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $440,000 (Sep 2025) |
| Tax Bill | $2,997 (2025) |
| Deeds & Mortgages | Sep 2023 Line of Credit Sep 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-144-666 |
| Primary APN | 07-144-666 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,654 sqft Living Area |
| Gross Area | 2,324 sqft |
| 1st Floor Area | 1,100 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Conventional |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 7,667 sqft (0.176 acres) |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 156 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1304 HAMMOND DR |
|---|---|
| City | MATTHEWS |
| State | NC |
| Zip | 28104-6839 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | MR STALLIN |
| Legal Description | #65 CALLONWOOD PH2 OPCH188 |
| Legal Subdivision | CALLONWOOD |
| Jurisdiction | UNION NC |
| Township / Civil Division | VANCE |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 20314 |
1304 Hammond Dr, a rural home, is owned and occupied by two individuals who bought it in September 2025.
Source: Union County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1304 HAMMOND DR, MATTHEWS, NC 28104-6839 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
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 |
|---|---|
| Sep 8, 2023 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Sep 30, 2025 | Warranty Deed, Transfer · Conventional Mortgage CLIFFCO MORTGAGE BANKERS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 30, 2025 · Amount on File |
| Deed Sale | Sep 30, 2025 · Amount on File |
| Prior Sale | Sep 21, 2004 · Amount on File |
| Deed Document Number | 202525441 |
| Deed Book / Page | 9211 / 669 |
| Prior Transfer Date | Dec 28, 2011 |
| Prior Transfer Doc | 0005672564 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 1304 HAMMOND DR, MATTHEWS, NC 28104-6839 |
| Transaction Type | Mortgage |
| Record Updated | Dec 2, 2025 |
| Title Company | WFG LENDER SERVICES, WFG LENDER SERVICES RESWARE |
| Name | Verified Name |
|---|
| Document Number | 0008778140 |
|---|---|
| Date | Sep 8, 2023 |
| Book Page | 8778/140 |
| Instrument | 21970 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | MAYSVILLE, NC 28555 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Aug 28, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Sep 30, 2025 |
| Property Address | 1304 HAMMOND DR, MATTHEWS, NC 28104-6839 |
| Document Number | 0009211669 |
| Book / Page | 9211 / 669 |
| Map Reference | MB H PG 880 |
| Instrument Date | Sep 25, 2025 |
| Instrument | 25441 |
| Transaction Type | Transfer |
| Record Updated | Dec 2, 2025 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $880.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1064 MAPLETREE LANE, INDIAN TRAIL, NC 28079-4403 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1304 HAMMOND DR, MATTHEWS, NC 28104-6839 |
| Document Number | 0000025442 |
|---|---|
| Date | Sep 30, 2025 |
| Instrument | 25442 |
| Name | CLIFFCO MORTGAGE BANKERS |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2055 |
The 2025 property tax bill for 1304 Hammond Dr was $2,997, up 19.3% from the year before.
Source: Union County assessment roll, as of March 31, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Union County |
| Municipality | Stallings Town |
| Unified School District | Union County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $437,800 (-) Land $103,800 Building $334,000 | $437,800 (-) Land $103,800 Building $334,000 | |
| 2025 | $2,997.00 (+19.26%) | $437,800 (+53.45%) Land $103,800 Building $334,000 | $437,800 Land $103,800 Building $334,000 |
| 2024 | $2,513.00 (+4.23%) | $285,300 (-) Land $62,000 Building $223,300 | |
| 2023 | $2,411.00 | $285,300 Land $62,000 Building $223,300 | $285,300 Land $62,000 Building $223,300 |
| 2021 | $285,300 Land $62,000 Building $223,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1304 Hammond Dr in Zone X, an area of minimal flood risk.
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 | 2 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.
Wildfire risk around 1304 Hammond Dr is low, with a 0.02% 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 | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: 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 |
| 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.
Source: FCC Broadband Data Collection, based on 468 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 | 200 / 20 |
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