Mecklenburg County property record for 1312 Over Stream Ln, Matthews, NC 28105
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,208 sqft · built 1994 |
| Lot Size | 0.542 acres (23,614 sqft) |
| Owner | Individual Name on File |
| Last Sale | $377,000 (Feb 2015) |
| Tax Bill | $5,895 (2023) |
| Deeds & Mortgages | Apr 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 231-213-15 |
| Primary APN | 231-213-15 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,208 sqft Heated Area |
| Gross Area | 3,742 sqft |
| 1st Floor Area | 1,561 sqft |
| Upper Floors Area | 1,647 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Brick Veneer |
| Foundation Type | Raised |
| Roof Material | Asphalt |
| Lot Area | 23,614 sqft (0.542 acres) |
| Garage Area | 534 sqft |
| Deck Area | 160 sqft |
| Patio Area | 208 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Old Parcel Number | 231-213-15 |
|---|---|
| Street Address | 1312 OVER STREAM LN |
| City | MATTHEWS |
| State | NC |
| Zip | 28105-6756 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3 |
| Legal Description | L15 B2 M26-340 |
| Legal Subdivision | PROVIDENCE HILLS PH 02 MAP 04 |
| Legal Block | 2 |
| Legal Lot Number | 15 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 1, CHARLOTTE |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 5849 |
1312 Over Stream Ln is owned and occupied by an individual who bought it in February 2015.
Source: Mecklenburg County records, as of May 24, 2023
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 1312 OVER STREAM LN, MATTHEWS, NC 28105-6756 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 18, 2015 · Amount on File |
| Deed Sale | Feb 18, 2015 · Amount on File |
| Prior Sale | Jan 30, 1998 · Amount on File |
| Deed Document Number | 0029756636 |
| Deed Book / Page | 29756 / 636 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 1312 OVER STREAM LN, MATTHEWS, NC 28105-6756 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2023 |
| Title Company | MORTGAGE CONNECT LP, MORTGAGE CONNECT LP VENDOR |
| Name | Verified Name |
|---|
| Document Number | 0000071139 |
|---|---|
| Date | Apr 12, 2021 |
| Book Page | 35922/434 |
| Instrument | 2021071139 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2051 |
Source: Mecklenburg County assessment roll, as of January 1, 2023
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mecklenburg County |
| Municipality | Charlotte City |
| Unified School District | Charlotte-Mecklenburg Schools (PK - 12) |
FEMA maps place 1312 Over Stream Ln in Zone X, an area of minimal flood risk.
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 |
| Community Rating System | Class 2 (40% premium discount) |
| 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 1312 Over Stream Ln 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 95% of the US · lower than 97.4% 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 | 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 430 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 |
May also be available: Google Fiber.
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