2808 Cutter Ct, Waxhaw, NC 28173 Property Records

Union County property record for 2808 Cutter Ct, Waxhaw, NC 28173

Property Summary

Property Type	Other Improved
Details	5 bd · 4.5 ba · 5,744 sqft · built 2022
Lot Size	2.85 acres (124,364 sqft)
Owner	2 Individual Names on File
Last Sale	$495,000 (Jan 2022)
Tax Bill	$6,682 (2025)
Deeds & Mortgages	Jan 2025 Line of Credit Jan 2022 Sale & Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-207-113`

Property Details

APN / Parcel Number

Primary APN	`06-207-113`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Building Area	5,744 sqft Living Area
1st Floor Area	3,275 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Brick
Lot Area	124,364 sqft (2.85 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2808 CUTTER CT
City	WAXHAW
State	NC
Zip	28173-7992
Property Category	Other
Property Type	Other > Other Improved
Local Zoning Code	R-40 UNION
Legal Description	#33 WOODHALL PH1 MP2 OPCG959
Legal Subdivision	WOODHALL
Legal Lot Number	33
Jurisdiction	UNION NC
Township / Civil Division	SANDY RIDGE
Census Block Group	1
Census Block	1002
Census Tract	21016

Owner

2808 Cutter Ct is owned and occupied by two individuals who bought it in January 2022.

Source: Union County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2808 CUTTER CT, WAXHAW, NC 28173-7992
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 21, 2025	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Jan 10, 2022	Warranty Deed, Construction Loan · Construction Mortgage TD BANK NA
Jul 13, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 10, 2022 · Amount on File
Deed Sale	Jan 10, 2022 · Amount on File
Prior Sale	Feb 12, 2019 · Amount on File
Deed Document Number	20221146
Deed Book / Page	8369 / 72
Prior Transfer Date	Sep 2, 2016
Prior Transfer Doc	0006761551
Record Updated	Oct 29, 2026

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	2808 CUTTER CT, WAXHAW, NC 28173-7992
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2808 CUTTER CT, WAXHAW, NC 28173-7992

Mortgage

Document Number	0009048596
Date	Jan 21, 2025
Book Page	9048/596
Instrument	1440

Lender

Name	COASTAL COMMUNITY BANK
Type	Bank
Address	CAMPBELL, CA 95008

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Jan 10, 2022
Property Address	2808 CUTTER CT, WAXHAW, NC 28173-7992
Document Number	0000836972
Book / Page	8369 / 72
Map Reference	CAB G FILE 959
Instrument Date	Jan 7, 2022
Instrument	1146
Transaction Type	Construction Loan
Record Updated	Mar 31, 2026
Title Company	AUSTIN TITLE LLC

Transaction

Amount	Amount on Record
Tax	$990.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9003 WOODHALL LAKE DR, WAXHAW, NC 28173-7884

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2808 CUTTER CT, WAXHAW, NC 28173-7992

Mortgage

Document Number	0000001147
Date	Jan 10, 2022
Instrument	1147

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	Feb 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	7.87%
Index	Other
Margin	3
Max Rate	7.87%

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Jul 13, 2017
Property Address	2808 CUTTER CT, WAXHAW, NC 28173-7992
Document Number	697294
Book / Page	006972 / 000094
Instrument Date	Jul 13, 2017
Instrument	19922
Transaction Type	Transfer
Record Updated	Oct 27, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$452.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1217 LYEYE ST ROCK HILL SC 29730, ROCK HILL, SC 29730

Tax Assessment & Valuation

The 2025 property tax bill for 2808 Cutter Ct was $6,682.

Source: Union County assessment roll, as of March 31, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Union County
Unified School District	Union County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,438,300 (-) Land $368,500 Building $1,069,800	$1,438,300 (-) Land $368,500 Building $1,069,800
2025	$6,682.00	$1,438,300 Land $368,500 Building $1,069,800	$1,438,300 Land $368,500 Building $1,069,800
2023	$5,701.00	$911,500 Land $267,300 Building $644,200	$911,500 Land $267,300 Building $644,200

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

Flood

FEMA maps place 2808 Cutter Ct in Zone X, an area of minimal flood risk.

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
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.

Wildfire

Wildfire risk around 2808 Cutter Ct is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 65% of the US · above 48% of North Carolina
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 63 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	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: Ripple Fiber.

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