1412 Windward Cv, Matthews, NC 28104 Property Records

Union County property record for 1412 Windward Cv, Matthews, NC 28104

Property Summary

Property Type	Rural Home
Details	4 bd · 4 ba · 3,230 sqft · built 1997
Lot Size	0.92 acres (40,075 sqft)
Owner	2 Individual Names on File
Last Sale	$679,500 (Apr 2025)
Tax Bill	$4,190 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Oct 2024 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-096-116`

Property Details

APN / Parcel Number

Primary APN	`06-096-116`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,230 sqft Living Area
Gross Area	4,371 sqft
1st Floor Area	1,551 sqft
Basement Area	641 sqft
Unfinished Basement	641 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Colonial
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	40,075 sqft (0.92 acres)
Garage Type	Attached
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	1412 WINDWARD CV
City	MATTHEWS
State	NC
Zip	28104-9516
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R-40 WEDDI
Legal Description	#21 GREYSTONE ESTATES MP2 OPCC013-015
Legal Subdivision	GREYSTONE ESTATES
Legal Lot Number	21
Jurisdiction	UNION NC
Township / Civil Division	SANDY RIDGE
Census Block Group	2
Census Block	2011
Census Tract	21018

Owner

1412 Windward Cv, a rural home, is owned and occupied by two individuals who bought it in April 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	1412 WINDWARD CV, MATTHEWS, NC 28104-9516
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Aug 17, 2022	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Oct 10, 2024	Warranty Deed, Transfer OS NATIONAL LLC, OS NATIONAL LLC OD DIV
Jun 2, 2023	Warranty Deed, Transfer · Conventional Mortgage ALLY BANK
Jun 7, 2019	Deed of Trust, Mortgage · ARM STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 11, 2025 · Amount on File
Deed Sale	Apr 11, 2025 · Amount on File
Prior Sale	Oct 10, 2024 · Amount on File
Deed Document Number	20258809
Deed Book / Page	9097 / 556
Prior Transfer Date	Feb 9, 2006
Prior Transfer Doc	4067754
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1412 WINDWARD CV, MATTHEWS, NC 28104-9516
Transaction Type	Mortgage
Record Updated	Jul 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008550248
Date	Aug 17, 2022
Book Page	8550/248
Instrument	29112

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	CHARLOTTE, NC 28271

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Oct 10, 2024
Property Address	1412 WINDWARD CV, MATTHEWS, NC 28104-9516
Document Number	0008992197
Book / Page	8992 / 197
Map Reference	CAB C FILE 14
Instrument Date	Oct 7, 2024
Instrument	24368
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	OS NATIONAL LLC, OS NATIONAL LLC OD DIV

Transaction

Amount	Amount on Record
Tax	$1,285.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	22 MIRROR LAKE HTS, ORANGE, NH 03741-5121

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976
Investor	Possibly a Property Investor

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Jun 2, 2023
Property Address	1412 WINDWARD CV, MATTHEWS, NC 28104-9516
Document Number	0008719657
Book / Page	8719 / 657
Map Reference	CAB C FILE 14
Instrument Date	Jun 2, 2023
Instrument	13075
Transaction Type	Transfer
Record Updated	Jun 19, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,240.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2306 TRINITY CHURCH RD, MONROE, NC 28112-9595

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1412 WINDWARD CV, MATTHEWS, NC 28104-9516

Mortgage

Document Number	0000013076
Date	Jun 2, 2023
Instrument	13076

Lender

Name	ALLY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1412 WINDWARD CV, MATTHEWS, NC 28104-9516
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7387513
Date	Jun 7, 2019
Book Page	7387/513
Instrument	0015736

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Change Frequency	5 Years
Min Rate At Change	3.25%
Index	5-Year CMT
Margin	2
Max Rate	6%

Tax Assessment & Valuation

The 2025 property tax bill for 1412 Windward Cv was $4,190.

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

Property Jurisdictions

Type	Name
State	North Carolina
County	Union County
Municipality	Weddington Town
Unified School District	Union County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$838,800 (-) Land $95,100 Building $743,700	$838,800 (-) Land $95,100 Building $743,700
2025	$4,190.00	$838,800 Land $95,100 Building $743,700	$838,800 Land $95,100 Building $743,700
2023	$3,284.00	$518,900 Land $80,200 Building $438,700	$518,900 Land $80,200 Building $438,700

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

Flood

FEMA maps place 1412 Windward Cv in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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 1412 Windward Cv 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.

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 109 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Google Fiber Fiber	8,000 / 8,000
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Windstream.

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