2012 Caernarfon Ln, Matthews, NC 28104 Property Records

Union County property record for 2012 Caernarfon Ln, Matthews, NC 28104

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 2,036 sqft · built 1996
Lot Size	0.409 acres (17,816 sqft)
Owner	2 Individual Names on Record
Last Sale	$370,000 (Sep 2019)
Tax Bill	$3,261 (2025)
Deeds & Mortgages	Sep 2019 Sale Aug 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`07-054-603`

Property Details

APN / Parcel Number

Primary APN	`07-054-603`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,036 sqft Living Area
Gross Area	2,323 sqft
1st Floor Area	2,036 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	17,816 sqft (0.409 acres)
View / Lot	Waterfront / Beach
Garage Type	Attached
Garage Area	499 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2012 CAERNARFON LN
City	MATTHEWS
State	NC
Zip	28104-0610
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R-15 STALL
Legal Description	#3 SHANNAMARA-KILKENNY OPCE304
Legal Subdivision	SHANNAMARA - KILKENNY
Jurisdiction	UNION NC
Township / Civil Division	VANCE
Census Block Group	1
Census Block	1014
Census Tract	20310

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2012 CAERNARFON LN, MATTHEWS, NC 28104-0610
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 25, 2019	Warranty Deed, Transfer INVESTORS TITLE INSURANCE, INVESTORS TITLE INS
Aug 7, 2017	Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 25, 2019 · Amount on Record
Deed Sale	Sep 25, 2019 · Amount on Record
Prior Sale	Apr 18, 1997 · Amount on Record
Deed Document Number	201929175
Deed Book / Page	7473 / 697
Record Updated	Oct 29, 2026

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Sep 25, 2019
Property Address	2012 CAERNARFON LN, MATTHEWS, NC 28104-0610
Document Number	7473697
Book / Page	007473 / 000697
Instrument Date	Sep 25, 2019
Instrument	29175
Transaction Type	Transfer
Record Updated	Oct 22, 2019
Title Company	INVESTORS TITLE INSURANCE, INVESTORS TITLE INS

Transaction

Amount	Amount Recorded
Tax	$740.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2012 CAERNARFON LN MATTHEWS NC 281040610, MATTHEWS, NC 28104-0610

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	2012 CAERNARFON LN, MATTHEWS, NC 28104-0610
Document Number	7068120
Book / Page	007068 / 000120
Instrument Date	Aug 7, 2017
Transaction Type	Mortgage
Record Updated	Jan 5, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2012 CAERNARFON LN MATTHEWS NC 281040610, MATTHEWS, NC 28104-0610

Mortgage

Document Number	7068120
Date	Dec 8, 2017
Book Page	007068/000120
Instrument	36004

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$479,800 (-) Land $116,600 Building $363,200	$479,800 (-) Land $116,600 Building $363,200
2025	$3,261.00 (+5.13%)	$479,800 (+29.29%) Land $116,600 Building $363,200	$479,800 (+29.29%) Land $116,600 Building $363,200
2023	$3,102.00	$371,100 Land $87,900 Building $283,200	$371,100 Land $87,900 Building $283,200

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

Flood

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
Nearby Flood Claims	3 (2005–2015)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Aug 2015 · rainfall accumulation

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

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	None beyond ember reach

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	REEDY CREEK MHP private · serves 64 people · EPA ID NC0160168
Water Source	Groundwater
Last State Inspection	Aug 2024
Also Mapped Here	UNION COUNTY WATER SYSTEM
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	15 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 236 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Windstream.

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