Union County property record for 2314 Flagstick Dr, Matthews, NC 28104
| Property Type | Rural Home |
|---|---|
| Details | 4 bd · 3.5 ba · 4,224 sqft · built 1999 |
| Lot Size | 0.38 acres (16,553 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $890,000 (Dec 2025) |
| Tax Bill | $5,884 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage Dec 2025 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-324-099 |
| Primary APN | 08-324-099 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 4 Rooms |
| Stories | 2 Stories |
| Building Area | 4,224 sqft Living Area |
| Gross Area | 4,707 sqft |
| 1st Floor Area | 2,158 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 16,553 sqft (0.38 acres) |
| View / Lot | Waterfront / Beach |
| Garage Type | Attached |
| Garage Area | 483 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 296 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2314 FLAGSTICK DR |
|---|---|
| City | MATTHEWS |
| State | NC |
| Zip | 28104-0635 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | R-15 STALL |
| Legal Description | #81 EMERALD LAKE PH1 OPCE404 |
| Legal Subdivision | EMERALD LAKE |
| Legal Lot Number | 81 |
| Jurisdiction | UNION NC |
| Township / Civil Division | GOOSE CREEK |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 20203 |
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 | 2314 FLAGSTICK DR, MATTHEWS, NC 28104-0635 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Feb 24, 2021 | Deed of Trust, Mortgage · VA Mortgage LENDUS LLC |
| Dec 11, 2025 | Warranty Deed, Transfer · Conventional Mortgage TRUIST BANK |
| Sep 14, 2023 | Warranty Deed, Transfer |
| Aug 10, 2018 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 11, 2025 · Amount on Record |
| Deed Sale | Dec 11, 2025 · Amount on Record |
| Prior Sale | Sep 14, 2023 · Amount on Record |
| Deed Document Number | 202532896 |
| Deed Book / Page | 9264 / 594 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 2314 FLAGSTICK DR, MATTHEWS, NC 28104-0635 |
| Transaction Type | Mortgage |
| Record Updated | Jan 2, 2026 |
| Title Company | FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 0007999607 |
|---|---|
| Date | Feb 24, 2021 |
| Book Page | 7999/607 |
| Instrument | 8356 |
| Name | LENDUS LLC |
|---|---|
| Type | Mortgage Company |
| Address | ALAMO, CA 94507 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Dec 11, 2025 |
| Property Address | 2314 FLAGSTICK DR, MATTHEWS, NC 28104-0635 |
| Document Number | 0009264594 |
| Book / Page | 9264 / 594 |
| Map Reference | CAB E FILE 404 |
| Instrument Date | Dec 10, 2025 |
| Instrument | 32896 |
| Transaction Type | Transfer |
| Record Updated | Jan 2, 2026 |
| Title Company | UNKNOWN, ONE HOUR TITLE COMPANY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,780.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1111 CAMEO CT, CHARLOTTE, NC 28270-1001 |
| Name | Verified Name |
|---|---|
| Address | 2314 FLAGSTICK DR, MATTHEWS, NC 28104-0635 |
| Document Number | 0000032897 |
|---|---|
| Date | Dec 11, 2025 |
| Instrument | 32897 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Sep 14, 2023 |
| Property Address | 2314 FLAGSTICK DR, MATTHEWS, NC 28104-0635 |
| Document Number | 0008781237 |
| Book / Page | 8781 / 237 |
| Map Reference | CAB E FILE 404 |
| Instrument Date | Sep 11, 2023 |
| Instrument | 22459 |
| Transaction Type | Transfer |
| Record Updated | Sep 29, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,610.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 711 SHORELINE DR, LANCASTER, SC 29720-6003 |
| Name | Verified Name |
|---|---|
| Address | 1111 CAMEO CT, CHARLOTTE, NC 28270-1001 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Aug 10, 2018 |
| Property Address | 2314 FLAGSTICK DR, MATTHEWS, NC 28104-0635 |
| Document Number | 7214513 |
| Book / Page | 007214 / 000513 |
| Instrument Date | Aug 3, 2018 |
| Instrument | 22637 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $860.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 2314 FLASTICK DR MATTHEWS NC 28104, MATTHEWS, NC 28104 |
Source: Union County assessment roll, as of March 31, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Union County |
| Municipality | Stallings Town |
| Unified School District | Union County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $873,700 (-) Land $130,000 Building $743,700 | $873,700 (-) Land $130,000 Building $743,700 | |
| 2025 | $5,884.00 (+45.1%) | $873,700 (+64.08%) Land $130,000 Building $743,700 | $873,700 (+64.08%) Land $130,000 Building $743,700 |
| 2023 | $4,055.00 (+0.52%) | $532,500 (-) Land $79,700 Building $452,800 | $532,500 (-) Land $79,700 Building $452,800 |
| 2022 | $4,034.00 | $532,500 Land $79,700 Building $452,800 | $532,500 Land $79,700 Building $452,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 175 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 |
| Windstream DSL | 100 / 20 |
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