2435 Willowbrook Dr, Matthews, NC 28104 Property Records

Union County property record for 2435 Willowbrook Dr, Matthews, NC 28104 · Last verified April 2026

Property Summary

Property Type	Rural Home
Details	3 bd · 2.5 ba · 2,346 sqft · built 1991
Lot Size	0.459 acres (19,994 sqft)
Owner	2 Individual Names on File
Last Sale	$468,000 (Jan 2024)
Tax Bill	$3,571 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Jan 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-054-353`

Property Details

APN / Parcel Number

Primary APN	`07-054-353`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	2,346 sqft Living Area
Gross Area	2,914 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Wood
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	19,994 sqft (0.459 acres)
Garage Type	Detached
Garage Area	1,320 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	20 sqft
Deck Area	477 sqft
Patio Area	477 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2435 WILLOWBROOK DR
City	MATTHEWS
State	NC
Zip	28104-2268
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	#7 WILLOW BROOK@HUNLEY CREEK OPCC445
Legal Subdivision	HUNLEY CREEK - WILLOW BROOK
Legal Lot Number	7
Jurisdiction	UNION NC
Township / Civil Division	VANCE
Census Block Group	1
Census Block	1003
Census Tract	20309

Owner

Source: Union County records · APN 07-054-353

Assessment roll updated March 31, 2026 · Last verified April 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 File
Mailing Address	2435 WILLOWBROOK DR, MATTHEWS, NC 28104-2268
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 31, 2025	Deed of Trust, Mortgage · Line of Credit UWHARRIE BANK
Jan 25, 2024	Warranty Deed, Transfer · Conventional Mortgage UWHARRIE BANK
Jul 11, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS BK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 25, 2024 · Amount on Record
Deed Sale	Jan 25, 2024 · Amount on Record
Deed Document Number	20241565
Deed Book / Page	8843 / 790
Record Updated	Jun 08, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	2435 WILLOWBROOK DR, MATTHEWS, NC 28104-2268
Transaction Type	Mortgage
Record Updated	Nov 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2435 WILLOWBROOK DR, MATTHEWS, NC 28104-2268

Mortgage

Document Number	0009235677
Date	Oct 31, 2025
Book Page	9235/677
Instrument	28756

Lender

Name	UWHARRIE BANK
Type	Bank
Address	CHARLOTTE, NC 28277

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Oct 30, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Jan 25, 2024
Property Address	2435 WILLOWBROOK DR, MATTHEWS, NC 28104-2268
Document Number	0008843790
Book / Page	8843 / 790
Map Reference	CAB C FILE 445
Instrument Date	Jan 25, 2024
Instrument	1565
Transaction Type	Transfer
Record Updated	Feb 09, 2024
Title Company	INVESTOR TITLE INSURANCE COMPANY, INVESTORS TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$936.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 2349, MATTHEWS, NC 28106-2349

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2435 WILLOWBROOK DR, MATTHEWS, NC 28104-2268

Mortgage

Document Number	0000001566
Date	Jan 25, 2024
Instrument	1566

Lender

Name	UWHARRIE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 10, 2054

Interest

Rate Type	Adjustable Rate
Rate	5.8%
Type Change Date	Aug 10, 2024
Change Frequency	6 Months
Min Rate At Change	4.8%
Max Rate At Change	6.8%
Max Rate	11.8%

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	2435 WILLOWBROOK DR, MATTHEWS, NC 28104-2268
Document Number	741899
Instrument Date	Jul 11, 2019
Transaction Type	Mortgage
Record Updated	Aug 26, 2019
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2435 WILLOWBROOK DR MATTHEWS NC 281042268, MATTHEWS, NC 28104-2268

Mortgage

Document Number	741899
Date	Jul 18, 2019
Book Page	007418/000099
Instrument	20554

Lender

Name	FIRST CITIZENS BK
Type	Bank
Address	RALEIGH, NC 27611-6592

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 17, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.87%

Tax Assessment & Valuation

Source: Union County records · Assessment roll updated March 31, 2026 · Last verified April 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,571.00 (+25.3%)	$526,300 (+54.66%) Land $93,000 Building $433,300	$526,300 (+54.66%) Land $93,000 Building $433,300
2023	$2,850.00	$340,300 Land $59,700 Building $280,600	$340,300 Land $59,700 Building $280,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Union County (37179C), updated September 14, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 371790203091, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	6 in force

Wildfire

Wildfire Risk	Low above 20% of the US · above 24% of North Carolina
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 207 locations within about half a mile of this property

Provider	Technology	Download / Upload (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
Uniti Group	DSL	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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