1604 Steven's Rdg, Matthews, NC 28105 Property Records

Mecklenburg County property record for 1604 Steven's Rdg, Matthews, NC 28105

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,888 sqft · built 1998
Lot Size	0.39 acres (17,001 sqft)
Owner	Individual Name on File
Last Sale	$585,000 (Jul 2017)
Tax Bill	$6,736 (2023)
Deeds & Mortgages	Dec 2022 Line of Credit Jul 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`227-641-29`

Property Details

APN / Parcel Number

Primary APN	`227-641-29`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,888 sqft Heated Area
Gross Area	4,438 sqft
1st Floor Area	1,754 sqft
Upper Floors Area	2,134 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Architectural Style	Other
Exterior Material	Brick Veneer
Foundation Type	Raised
Roof Material	Wood
Lot Area	17,001 sqft (0.39 acres)
Garage Area	502 sqft

Exterior Amenities

Pool Area	608 sqft
Porch	Porch
Porch Area	48 sqft
Patio Area	416 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	227-641-29
Street Address	1604 STEVENS RDG
City	MATTHEWS
State	NC
Zip	28105-6851
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-15
Legal Description	L48 M28-21
Legal Subdivision	PROVIDENCE MANOR PH 02 MAP 02
Legal Lot Number	48
Jurisdiction	MECKLENBURG NC
Township / Civil Division	5, PROVIDENCE
Census Block Group	1
Census Block	1010
Census Tract	5832

Owner

1604 Steven's Rdg is owned and occupied by an individual who bought it in July 2017.

Source: Mecklenburg County records, as of May 24, 2023

Owner of Record	Individual Name on File
Mailing Address	1604 STEVENS RDG, MATTHEWS, NC 28105-6851
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
Dec 28, 2022	Deed of Trust, Mortgage · Line of Credit NEW REPUBLIC BANK
Jul 12, 2017	Warranty Deed, Transfer · Conventional Mortgage TD BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 12, 2017 · Amount on File
Deed Sale	Jul 12, 2017 · Amount on File
Prior Sale	Apr 1, 1999 · Amount on File
Deed Document Number	0031956665
Deed Book / Page	31956 / 665
Record Updated	Jun 7, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	1604 STEVENS RDG, MATTHEWS, NC 28105-6851
Transaction Type	Mortgage
Record Updated	May 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1604 STEVENS RDG, MATTHEWS, NC 28105-6851

Mortgage

Document Number	0000168149
Date	Dec 28, 2022
Book Page	37854/774
Instrument	2022168149

Lender

Name	NEW REPUBLIC BANK
Type	Bank
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Jul 12, 2017
Property Address	1604 STEVENS RDG, MATTHEWS, NC 28105-6851
Document Number	0000092946
Book / Page	31956 / 665
Map Reference	MB28 PG21
Instrument Date	Jun 26, 2017
Instrument	2017092946
Transaction Type	Transfer
Record Updated	Jun 15, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,170.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	293 E HAZELWOOD AVE, RAHWAY, NJ 07065-4939

Mortgage

Document Number	0000092947
Date	Jul 12, 2017
Instrument	2017092947

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2047

Tax Assessment & Valuation

Source: Mecklenburg County assessment roll, as of January 1, 2023

Property Jurisdictions

Type	Name
State	North Carolina
County	Mecklenburg County
Municipality	Matthews Town
Unified School District	Charlotte-Mecklenburg Schools (PK - 12)

Flood

FEMA maps place 1604 Steven's Rdg 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 October 3, 2024 · 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
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	8 in force
Nearby Flood Claims	5 (2008–2018)
Claims Outside the SFHA	3 of 5
Most Recent Claim	Sep 2018 · Hurricane Florence
Claims by Event	Hurricane Florence, Sep 2018 · 2 claims

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 1604 Steven's Rdg is low, with a 0.03% 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	0.03% 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	LAMPLIGHTER SOUTH-DANBY private · serves 3,297 people · EPA ID NC0160156
Water Source	Purchased surface water from LANCASTER COUNTY W&SD
Last State Inspection	Sep 2025
Also Mapped Here	CHARLOTTE WATER
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 181 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Google Fiber Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Windstream DSL · Fiber in parts of the area	200 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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