2018 Caernarfon Ln, Matthews, NC 28104 Property Records

Union County property record for 2018 Caernarfon Ln, Matthews, NC 28104

Property Summary

Property Type	Rural Home
Details	3 bd · 2.5 ba · 2,288 sqft · built 1997
Lot Size	0.394 acres (17,163 sqft)
Owner	2 Individual Names on File
Last Sale	$226,500 (Jan 1998)
Tax Bill	$3,391 (2025)
Deeds & Mortgages	Feb 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-054-604`

Property Details

APN / Parcel Number

Primary APN	`07-054-604`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	2,288 sqft Living Area
Gross Area	2,914 sqft
1st Floor Area	1,169 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Colonial
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	17,163 sqft (0.394 acres)
View / Lot	Waterfront / Beach
Garage Type	Attached
Garage Area	525 sqft
Parking Spaces	2 Parking Spaces
Deck Area	266 sqft
Patio Area	266 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2018 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	#4 SHANNAMARA KILKENNY PHA1/SECT3 CAERNAFON LN
Legal Subdivision	SHANNAMARA - KILKENNY
Legal Lot Number	4
Jurisdiction	UNION NC
Township / Civil Division	VANCE
Census Block Group	1
Census Block	1014
Census Tract	20310

Owner

2018 Caernarfon Ln, a rural home, is owned and occupied by two individuals who acquired it in August 2002.

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

Owner of Record	2 Individual Names on File
Mailing Address	2018 CAERNARFON LN, MATTHEWS, NC 28104-0610
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 23, 1998 · Amount on File
Deed Sale	Jan 23, 1998 · Amount on File
Prior Sale	Jul 3, 1997 · Amount on File
Deed Document Number	199832442
Deed Book / Page	1050 / 694
Last Transfer Date	Aug 15, 2002
Transfer Doc	1988704
Record Updated	Oct 29, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	2018 CAERNARFON LN, MATTHEWS, NC 28104-0610
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7101276
Date	Feb 9, 2018
Book Page	7101/276
Instrument	0003506

Lender

Name	SHARONVIEW FCU
Type	Credit Union
Address	FORT MILL, SC 29716

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Feb 1, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 2018 Caernarfon Ln was $3,391.

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		$499,300 (-) Land $116,600 Building $382,700	$499,300 (-) Land $116,600 Building $382,700
2025	$3,391.00	$499,300 Land $116,600 Building $382,700	$499,300 Land $116,600 Building $382,700
2023	$3,187.00	$381,400 Land $87,900 Building $293,500	$381,400 Land $87,900 Building $293,500

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

Flood

FEMA maps place 2018 Caernarfon Ln in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2005.

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

Wildfire risk around 2018 Caernarfon Ln 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	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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