2131 Stevens Mill Rd, Matthews, NC 28104 Property Records

Mecklenburg County property record for 2131 Stevens Mill Rd, Matthews, NC 28104

Property Summary

Property Type	Townhouse
Details	3 bd · 2.5 ba · 1,892 sqft · built 2021
Lot Size	0.066 acres (2,875 sqft)
Owner	2 Individual Names on Record
Last Sale	$360,000 (Sep 2026)
Tax Bill	$3,008 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`215-096-46`

Property Details

APN / Parcel Number

Primary APN	`215-096-46`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,892 sqft Living Area
Gross Area	2,376 sqft
1st Floor Area	704 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Townhouse
Exterior Material	Concrete
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Material	Other
Lot Area	2,875 sqft (0.066 acres)
Garage Type	Attached
Garage Area	484 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	2131 STEVENS MILL RD
City	MATTHEWS
State	NC
Zip	28104-4248
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R-VS
Legal Description	L90 M68-249
Legal Subdivision	HARMONY AT MATTHEWS
Legal Block	6
Legal Lot Number	90
Jurisdiction	MECKLENBURG NC
Township / Civil Division	13, MORNING STAR
Census Block Group	2
Census Block	2022
Census Tract	5712

Owner

Source: Mecklenburg County records, as of October 16, 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	2131 STEVENS MILL RD, MATTHEWS, NC 28104-4248
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2026	Warranty Deed, Transfer · Conventional Mortgage FREEDOM MORTGAGE CORPORATION
Jul 1, 2021	Warranty Deed, Transfer · FHA Mortgage INSPIRE HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 29, 2026 · Amount on Record
Deed Sale	Sep 29, 2026 · Amount on Record
Prior Sale	Jul 1, 2021 · Amount on Record
Deed Document Number	2026104591
Deed Book / Page	40746 / 800
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Sep 29, 2026
Property Address	2131 STEVENS MILL RD, MATTHEWS, NC 28104-4248
Document Number	0000104591
Book / Page	40746 / 800
Instrument Date	Sep 28, 2026
Instrument	2026104591
Transaction Type	Transfer
Record Updated	Oct 16, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$72,720.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2131 STEVENS MILL RD, MATTHEWS, NC 28104-4248

Mortgage

Document Number	0000105567,
Date	Sep 29, 2026
Book Page	40753/310
Instrument	2026105567

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	298 Months
Due	Jul 1, 2051

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Jul 1, 2021
Property Address	2131 STEVENS MILL RD, MATTHEWS, NC 28104-4248
Document Number	0000128210
Book / Page	36249 / 105
Map Reference	MB 68 PG 249&250
Instrument Date	Jun 30, 2021
Instrument	2021128210
Transaction Type	Transfer
Record Updated	May 25, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$699.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8390 E CRESCENT PKWY STE 650, 650, GREENWOOD VILLAGE, CO 80111-2940

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2131 STEVENS MILL RD, MATTHEWS, NC 28104-4248

Mortgage

Document Number	0000128211
Date	Jul 1, 2021
Instrument	2021128211

Lender

Name	INSPIRE HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

Source: Mecklenburg County assessment roll, as of September 9, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,008.00	$382,500 Land $110,000 Building $272,500	$382,500 Land $110,000 Building $272,500

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 October 3, 2024 · 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	2 (2015)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Aug 2015 · other causes

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 99.1% of the US · lower than 99.5% of North Carolina
Wildfire Likelihood	Under 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	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 110 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: Google Fiber, Windstream.

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