1409 Shade Tree Ct, Matthews, NC 28104 Property Records

Union County property record for 1409 Shade Tree Ct, Matthews, NC 28104

Property Summary

Property Type	Rural Home
Details	1 bd · 2.5 ba · 2,682 sqft · built 2002
Lot Size	0.529 acres (23,043 sqft)
Owner	2 Individual Names on File
Last Sale	$295,000 (Jun 2016)
Tax Bill	$2,940 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Jun 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-045-043`

Property Details

APN / Parcel Number

Primary APN	`06-045-043`

Interior

Bedrooms	1 Bed
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,682 sqft Living Area
Gross Area	3,202 sqft
1st Floor Area	1,126 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	23,043 sqft (0.529 acres)
Garage Type	Attached
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	184 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1409 SHADE TREE CT
City	MATTHEWS
State	NC
Zip	28104-7410
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R-40 WESLE
Legal Description	#7 LINDENWOOD PH1 MP1 OPCG535
Legal Subdivision	LINDENWOOD
Legal Lot Number	7
Jurisdiction	UNION NC
Township / Civil Division	SANDY RIDGE
Census Block Group	2
Census Block	2032
Census Tract	21021

Owner

1409 Shade Tree Ct, a rural home, is owned and occupied by two individuals who bought it in June 2016.

Source: Union County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1409 SHADE TREE CT, MATTHEWS, NC 28104-7410
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Jun 22, 2018	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Aug 21, 2019	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 10, 2016 · Amount on File
Deed Sale	Jun 10, 2016 · Amount on File
Prior Sale	Apr 4, 2013 · Amount on File
Deed Document Number	201616479
Deed Book / Page	6695 / 50
Prior Transfer Date	Mar 29, 2013
Prior Transfer Doc	5974384
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1409 SHADE TREE CT, MATTHEWS, NC 28104-7410
Transaction Type	Mortgage
Record Updated	Oct 1, 2021
Title Company	FIRST CHOICE TITLE, FIRST CHOICE TITLE SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	8242833
Date	Sep 15, 2021
Book Page	8242/833
Instrument	43777

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1409 SHADE TREE CT, MATTHEWS, NC 28104-7410
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7181280
Date	Jun 22, 2018
Book Page	7181/280
Instrument	0017148

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Jul 8, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1409 SHADE TREE CT, MATTHEWS, NC 28104-7410
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7444808
Date	Aug 21, 2019
Book Page	7444/808
Instrument	0024724

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 1409 Shade Tree Ct was $2,940.

Source: Union County assessment roll, as of March 31, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Union County
Municipality	Wesley Chapel Village
Unified School District	Union County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$603,600 (-) Land $136,200 Building $467,400	$603,600 (-) Land $136,200 Building $467,400
2025	$2,940.00	$603,600 Land $136,200 Building $467,400	$603,600 Land $136,200 Building $467,400
2023	$2,400.00	$376,000 Land $76,500 Building $299,500	$376,000 Land $76,500 Building $299,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1409 Shade Tree Ct 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	3 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

Wildfire risk around 1409 Shade Tree Ct is low, with a 0.01% 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	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 118 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 / 50
Windstream DSL	100 / 20

May also be available: AT&T.

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