2103 Flagstick Dr, Matthews, NC 28104 Property Records

Union County property record for 2103 Flagstick Dr, Matthews, NC 28104

Property Summary

Property Type	Rural Home
Details	4 bd · 3.5 ba · 2,635 sqft · built 1998
Lot Size	0.35 acres (15,246 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,323 (2025)
Deeds & Mortgages	Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-324-071`

Property Details

APN / Parcel Number

Primary APN	`08-324-071`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	2,635 sqft Living Area
Gross Area	3,118 sqft
1st Floor Area	1,823 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	15,246 sqft (0.35 acres)
View / Lot	Waterfront / Beach
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	45 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2103 FLAGSTICK DR
City	MATTHEWS
State	NC
Zip	28104-0628
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R-15 STALL
Legal Description	#53 EMERALD LAKE OPCE402
Legal Subdivision	EMERALD LAKE
Legal Lot Number	53
Jurisdiction	UNION NC
Township / Civil Division	GOOSE CREEK
Census Block Group	2
Census Block	2005
Census Tract	20203

Owner

2103 Flagstick Dr, a rural home, is owned and occupied by two individuals who acquired it in October 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	2103 FLAGSTICK DR, MATTHEWS, NC 28104-0628
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 Transfer Date	Oct 28, 2020
Transfer Doc	7871699
Record Updated	Oct 29, 2026

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	UNION NC
Recording Date	Nov 3, 2020
Property Address	2103 FLAGSTICK DR, MATTHEWS, NC 28104-0628
Document Number	0007871699
Book / Page	7871 / 699
Map Reference	CAB E FILE 402
Instrument Date	Oct 28, 2020
Instrument	45087
Transaction Type	Transfer
Record Updated	Dec 14, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2103 FLAGSTICK DR, 2103, MATTHEWS, NC 28104-0628

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2103 FLAGSTICK DR, MATTHEWS, NC 28104-0628

Mortgage

Document Number	0000045088
Date	Nov 3, 2020
Instrument	45088

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 2103 Flagstick Dr was $4,323.

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		$639,200 (-) Land $135,000 Building $504,200	$639,200 (-) Land $135,000 Building $504,200
2025	$4,323.00	$639,200 Land $135,000 Building $504,200	$639,200 Land $135,000 Building $504,200
2023	$3,382.00	$405,300 Land $90,000 Building $315,300	$405,300 Land $90,000 Building $315,300

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

Flood

FEMA maps place 2103 Flagstick Dr 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	5 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 2103 Flagstick Dr 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	HEATHFIELD S/D private · serves 165 people · EPA ID NC2060020
Water Source	Groundwater
Last State Inspection	Apr 2026
Also Mapped Here	UNION COUNTY WATER SYSTEM
Lead	3 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

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

Internet Providers

Source: FCC Broadband Data Collection, based on 200 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20
Windstream DSL · Fiber in parts of the area	100 / 20