2651 Circa Dr, Matthews, NC 28105 Property Records

Mecklenburg County property record for 2651 Circa Dr, Matthews, NC 28105

Property Summary

Property Type	Townhouse
Details	3 bd · 3 ba · 3,375 sqft · built 2005
Lot Size	0.106 acres (4,650 sqft)
Owner	Company Name on Record
Last Sale	$350,000 (Dec 2017)
Tax Bill	$3,698 (2024)
Deeds & Mortgages	Jan 2026 Transfer Apr 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`193-312-50`

Property Details

APN / Parcel Number

Primary APN	`193-312-50`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,375 sqft Heated Area
1st Floor Area	1,864 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Architectural Style	Other
Exterior Material	Stone
Foundation Type	Slab (Mat/Raft)
Lot Area	4,650 sqft (0.106 acres)
Garage Area	480 sqft
Porch	Porch
Porch Area	179 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Street Address	2651 CIRCA DR
City	MATTHEWS
State	NC
Zip	28105-5906
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R-VS
Legal Description	UNIT C BLD27 M43-175
Legal Subdivision	BELLA SERA VILLAS PH 04 MAP 02
Legal Unit	C
Jurisdiction	MECKLENBURG NC
Township / Civil Division	13, MORNING STAR
Census Block Group	1
Census Block	1013
Census Tract	5709

Owner

Source: Mecklenburg County records, as of February 4, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Co-owner	2 Co-owners on Record
Mailing Address	2651 CIRCA DR, MATTHEWS, NC 28105-5906
Occupancy	Owner Occupied
Owner Type	Company, Secondary Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 29, 2026	Intrafamily Transfer, Transfer
Apr 2, 2018	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Dec 27, 2017	Warranty Deed, Transfer · ARM STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	4 Names on Deed
Last Sale	Dec 27, 2017 · Amount on Record
Deed Sale	Dec 27, 2017 · Amount on Record
Prior Sale	Dec 27, 2017 · Amount on Record
Deed Document Number	0000172310
Deed Book / Page	32367 / 989
Last Transfer Date	Jan 29, 2026
Transfer Doc	0000008758
Record Updated	Jun 8, 2026

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MECKLENBURG NC
Recording Date	Jan 29, 2026
Property Address	2651 CIRCA DR, MATTHEWS, NC 28105-5906
Document Number	0000008758
Book / Page	40163 / 328
Map Reference	MB 43 PG 175
Instrument Date	Jan 23, 2026
Instrument	2026008758
Transaction Type	Transfer
Record Updated	Feb 5, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2651 CIRCA DR, MATTHEWS, NC 28105-5906

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2651 CIRCA DR, MATTHEWS, NC 28105-5906

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	2651 CIRCA DR, MATTHEWS, NC 28105-5906
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000038091
Date	Apr 2, 2018
Book Page	32570/378
Instrument	2018038091

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	MATTHEWS, NC 28106

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Dec 27, 2017
Property Address	2651 CIRCA DR, MATTHEWS, NC 28105-5906
Document Number	0000172310
Book / Page	32367 / 989
Map Reference	MB43 PG175
Instrument Date	Dec 27, 2017
Instrument	2017172310
Transaction Type	Transfer
Record Updated	Jun 15, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$700.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3529 CAMELON CREEL DR, MATTHEWS, NC 28105-6880

Mortgage

Document Number	0000172311
Date	Dec 27, 2017
Book Page	32368/001
Instrument	2017172311

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Change Frequency	5 Years
Min Rate At Change	4.25%
Index	5-Year CMT
Max Rate	10.2%

Tax Assessment & Valuation

Source: Mecklenburg County assessment roll, as of January 1, 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		$493,400 Land $90,000 Building $403,400
2024	$3,698.00
2023			$493,400 Land $90,000 Building $403,400

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	7 in force
Nearby Flood Claims	6 (1982–2015)
Claims Outside the SFHA	6 of 6
Most Recent Claim	Aug 2015 · 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 99.8% of the US · lower than 99.9% 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	CHARLOTTE WATER serves 1,206,285 people · EPA ID NC0160010
Water Source	Surface water
Last State Inspection	Jul 2025
Lead	Under 1 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	None 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 236 locations within half a mile, as of December 31, 2025

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

May also be available: Google Fiber.

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