1512 Billy Howey Rd, Waxhaw, NC 28173 Property Records

Union County property record for 1512 Billy Howey Rd, Waxhaw, NC 28173

Property Summary

Property Type	Other Improved
Details	4 bd · 3.5 ba · 3,648 sqft · built 2022
Lot Size	1.21 acres (52,708 sqft)
Owner	2 Individual Names on File
Last Sale	$886,000 (Dec 2021)
Tax Bill	$4,578 (2025)
Deeds & Mortgages	Mar 2023 Mortgage Dec 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-054-049H`

Property Details

APN / Parcel Number

Primary APN	`06-054-049H`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	3,648 sqft Living Area
1st Floor Area	2,336 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Brick
Lot Area	52,708 sqft (1.21 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1512 BILLY HOWEY RD
City	WAXHAW
State	NC
Zip	28173-8161
Property Category	Other
Property Type	Other > Other Improved
Local Zoning Code	RA-40 UNIO
Legal Description	#5 OPCO311
Legal Subdivision	WHISPERING OAKS
Jurisdiction	UNION NC
Township / Civil Division	SANDY RIDGE
Census Block Group	2
Census Block	2034
Census Tract	21004

Owner

1512 Billy Howey Rd is owned and occupied by two individuals who bought it in December 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	1512 BILLY HOWEY RD, WAXHAW, NC 28173-8161
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
Mar 9, 2023	Deed of Trust, Mortgage · Conventional Mortgage NORTHPOINTE BANK
Dec 6, 2021	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage NORTHPOINTE BANK
Dec 8, 2021	Correction Deed INVESTOR TITLE INSURANCE COMPANY, INVESTORS TITLE INSURANCE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 6, 2021 · Amount on File
Deed Sale	Dec 6, 2021 · Amount on File
Deed Document Number	202157415
Deed Book / Page	8335 / 439
Prior Transfer Date	Nov 30, 2021
Prior Transfer Doc	0008336890
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1512 BILLY HOWEY RD, WAXHAW, NC 28173-8161
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1512 BILLY HOWEY RD, WAXHAW, NC 28173-8161

Mortgage

Document Number	0000866861
Date	Mar 9, 2023
Book Page	8668/61
Instrument	5313

Lender

Name	NORTHPOINTE BANK
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	10.4%
Type Change Date	Apr 1, 2030
Change Frequency	6 Months
Min Rate At Change	5.45%
Max Rate At Change	15.4%
Index	Other
Max Rate	15.4%

December 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Dec 6, 2021
Property Address	1512 BILLY HOWEY RD, WAXHAW, NC 28173-8161
Document Number	0008335439
Book / Page	8335 / 439
Map Reference	CAB O FILE 311
Instrument Date	Nov 30, 2021
Instrument	57415
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 31, 2026
Title Company	INVESTOR TITLE INSURANCE COMPANY, INVESTERS TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,772.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6230 TOWNSEND LN, WAXHAW, NC 28173-9161

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1512 BILLY HOWEY RD, WAXHAW, NC 28173-8161

Mortgage

Document Number	0000057416
Date	Dec 6, 2021
Instrument	57416

Lender

Name	NORTHPOINTE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Jan 1, 2030
Change Frequency	6 Months
Min Rate At Change	3.87%
Max Rate At Change	9%
Index	Other
Max Rate	9%

December 2021: Correction Deed

Document Type	Correction Deed
Jurisdiction	UNION NC
Recording Date	Dec 8, 2021
Property Address	1512 BILLY HOWEY RD, WAXHAW, NC 28173-8161
Document Number	0008336890
Book / Page	8336 / 890
Map Reference	CAB O FILE 311
Instrument Date	Nov 30, 2021
Instrument	57685
Record Updated	Mar 31, 2026
Title Company	INVESTOR TITLE INSURANCE COMPANY, INVESTORS TITLE INSURANCE CO

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1512 BILLY HOWEY RD, WAXHAW, NC 28173-8161

Tax Assessment & Valuation

The 2025 property tax bill for 1512 Billy Howey Rd was $4,578.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$995,700 (-) Land $120,300 Building $875,400	$995,700 (-) Land $120,300 Building $875,400
2025	$4,578.00 Additional exemption filed	$995,700 Land $120,300 Building $875,400	$995,700 Land $120,300 Building $875,400
2023	$3,691.00	$581,900 Land $38,600 Building $543,300	$581,900 Land $38,600 Building $543,300

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

Flood

FEMA maps place 1512 Billy Howey Rd 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	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 1512 Billy Howey Rd 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	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 267 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Windstream Fiber · DSL in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Ripple Fiber.

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