204 White Oak Ln, Matthews, NC 28104 Property Records

Union County property record for 204 White Oak Ln, Matthews, NC 28104

Property Summary

Property Type	Rural Home
Details	3 bd · 1.5 ba · 1,482 sqft · built 1964
Lot Size	0.46 acres (20,038 sqft)
Owner	Individual Name on Record
Last Sale	$405,000 (Aug 2022)
Tax Bill	$2,420 (2025)
Deeds & Mortgages	Sep 2024 Transfer Aug 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-102-066`

Property Details

APN / Parcel Number

Primary APN	`07-102-066`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,482 sqft Living Area
Gross Area	1,450 sqft
1st Floor Area	1,450 sqft

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	20,038 sqft (0.46 acres)
Porch	Slab
Porch Area	300 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	204 WHITE OAK LN
City	MATTHEWS
State	NC
Zip	28104-4373
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R-10 STALL
Legal Description	#37 FOREST PARK PB5 PG050; 8538-0765
Legal Subdivision	FOREST PARK
Legal Lot Number	37
Jurisdiction	UNION NC
Township / Civil Division	VANCE
Census Block Group	1
Census Block	1015
Census Tract	20312

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	204 WHITE OAK LN, MATTHEWS, NC 28104-4373
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Sep 26, 2024	Intrafamily Transfer, Transfer
Aug 1, 2022	Warranty Deed, Transfer · Conventional Mortgage LATINO COMMUNITY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 1, 2022 · Amount on Record
Deed Sale	Aug 1, 2022 · Amount on Record
Prior Sale	Dec 19, 2016 · Amount on Record
Deed Document Number	202227233
Deed Book / Page	8538 / 765
Last Transfer Date	Sep 26, 2024
Transfer Doc	0000898337
Record Updated	Oct 29, 2026

September 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	UNION NC
Recording Date	Sep 26, 2024
Property Address	204 WHITE OAK LN, MATTHEWS, NC 28104-4373
Document Number	0000898337
Book / Page	8983 / 37
Map Reference	MB 5 PG 50
Instrument Date	Sep 26, 2024
Instrument	23109
Transaction Type	Transfer
Record Updated	Dec 2, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	204 WHITE OAK LN, STALLINGS, NC 28104-4373

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Aug 1, 2022
Property Address	204 WHITE OAK LN, MATTHEWS, NC 28104-4373
Document Number	0008538765
Book / Page	8538 / 765
Map Reference	MB 5 PG 50
Instrument Date	Aug 1, 2022
Instrument	27233
Transaction Type	Transfer
Record Updated	Dec 2, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$810.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1317 YELLOW DAISY DR, MATTHEWS, NC 28104-4133

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	204 WHITE OAK LN, STALLINGS, NC 28104-4373

Mortgage

Document Number	0000027234
Date	Aug 1, 2022
Instrument	27234

Lender

Name	LATINO COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Aug 1, 2027
Change Frequency	5 Years
Min Rate At Change	5.25%
Max Rate At Change	11.5%
Index	5-Year CMT
Margin	3
Max Rate	11.5%

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		$351,600 (-) Land $63,700 Building $287,900	$351,600 (-) Land $63,700 Building $287,900
2025	$2,420.00 (+39.56%)	$351,600 (+73.29%) Land $63,700 Building $287,900	$351,600 (+73.29%) Land $63,700 Building $287,900
2023	$1,734.00	$202,900 Land $34,100 Building $168,800	$202,900 Land $34,100 Building $168,800

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
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	1 (2026)
Most Recent Claim	May 2026 · 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	0.03% 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	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 179 locations within half a mile, as of December 31, 2025

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

May also be available: AT&T, Ripple Fiber, Windstream.

Nearby Properties on White Oak Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures