2715 Circa Dr, Matthews, NC 28105 Property Records

Mecklenburg County property record for 2715 Circa Dr, Matthews, NC 28105

Property Summary

Property Type	Townhouse
Details	3 bd · 3 ba · 3,375 sqft · built 2005
Lot Size	0.09 acres (3,920 sqft)
Owner	Individual Name on Record
Last Sale	$560,000 (Apr 2024)
Tax Bill	$3,694 (2024)
Deeds & Mortgages	Apr 2024 Reverse Mortgage Oct 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`193-312-54`

Property Details

APN / Parcel Number

Primary APN	`193-312-54`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,375 sqft Living Area
Gross Area	3,855 sqft
1st Floor Area	1,864 sqft
Basement Area	1,511 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2007
Exterior Material	Brick
Construction Type	Frame
Roof Material	Other
Lot Area	3,920 sqft (0.09 acres)
Garage Type	Attached
Garage Area	480 sqft
Porch	Finished/Open Porch
Porch Area	179 sqft
Patio Area	32 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2715 CIRCA DR
City	MATTHEWS
State	NC
Zip	28105-5908
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R-VS
Legal Description	UNIT B BLD26 M43-175
Legal Subdivision	BELLA SERA VLS UN B-2715 PH 04
Legal Block	2
Legal Lot Number	54
Legal Unit	B
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 August 18, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	715 CIRCA DR, MATTHEWS, NC 28105
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2024	Deed of Trust, Mortgage · Reverse Mortgage MUTUAL OF OMAHA MORTGAGE INC
Oct 23, 2018	Deed of Trust, Mortgage · ARM FIRST CITIZENS BANK & TRUST CO
Oct 23, 2018	Trustee's Deed, Construction Loan · Line of Credit FIRST CITIZENS BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 30, 2024 · Amount on Record
Deed Sale	Apr 30, 2024 · Amount on Record
Prior Sale	Aug 9, 2012 · Amount on Record
Deed Document Number	202439074
Deed Book / Page	38787 / 466
Prior Transfer Date	Jan 25, 2007
Prior Transfer Doc	0000020437
Record Updated	Sep 20, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	2715 CIRCA DR, MATTHEWS, NC 28105-5908
Transaction Type	Mortgage
Record Updated	May 16, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2715 CIRCA DR, MATTHEWS, NC 28105-5908

Mortgage

Document Number	0000039075
Date	Apr 30, 2024
Book Page	38787/469
Instrument	2024039075

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company
Address	3131 CAMINO DEL RIO N STE 1100, SAN DIEGO, CA 92108

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	867 Months
Due	Jul 17, 2096

Interest

Rate Type	Adjustable Rate
Rate	7.93%
Type Change Date	Jun 1, 2024
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	12.9%

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	2715 CIRCA DR, MATTHEWS, NC 28105-5908
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000133315
Date	Oct 23, 2018
Book Page	33061/641
Instrument	2018133315

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	26592

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Nov 1, 2025
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	6.25%
Index	1-Year LIBOR
Max Rate	10.2%

October 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Oct 23, 2018
Property Address	2715 CIRCA DR, MATTHEWS, NC 28105-5908
Book / Page	033062 / 000343
Instrument Date	Oct 9, 2018
Instrument	133490
Transaction Type	Construction Loan
Record Updated	Nov 9, 2018
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2715 CIRCA DR MATTHEWS NC 281055908, MATTHEWS, NC 28105-5908

Mortgage

Document Number	0000133490
Date	Oct 23, 2018
Book Page	033062/000343
Instrument	133490

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$486,300 Land $90,000 Building $396,300	$486,300 Land $90,000 Building $396,300
2024	$3,694.00

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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