2813 Cutter Ct, Waxhaw, NC 28173 Property Records

Union County property record for 2813 Cutter Ct, Waxhaw, NC 28173

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 5,692 sqft · built 2005
Lot Size	2.82 acres (123,101 sqft)
Owner	2 Trust Names on File
Last Sale	$1,685,000 (Jul 2023)
Tax Bill	$4,902 (2025)
Deeds & Mortgages	Jul 2023 Sale Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-207-107`

Property Details

APN / Parcel Number

Primary APN	`06-207-107`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	5,692 sqft Living Area
1st Floor Area	2,453 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	123,101 sqft (2.82 acres)
Garage Type	Attached
Garage Area	690 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	314 sqft
Deck Area	444 sqft
Patio Area	444 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2813 CUTTER CT
City	WAXHAW
State	NC
Zip	28173-7992
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-40 UNION
Legal Description	#47 WOODHALL PH1 MP1 OPCG600
Legal Subdivision	WOODHALL
Legal Lot Number	47
Jurisdiction	UNION NC
Township / Civil Division	SANDY RIDGE
Census Block Group	1
Census Block	1010
Census Tract	21016

Owner

2813 Cutter Ct is held in a trust since July 2023.

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

Owner of Record	2 Trust Names on File
Mailing Address	PO BOX 1783, CASHIERS, NC 28717-1783
Owner Type	Individual
Vesting	Trust

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
Jul 10, 2023	Warranty Deed, Transfer NOT AVAILABLE, INVESTORS TITLE
Apr 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 14, 2020	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 10, 2023 · Amount on File
Deed Sale	Jul 10, 2023 · Amount on File
Prior Sale	Jul 2, 2013 · Amount on File
Deed Document Number	202316451
Deed Book / Page	8742 / 33
Prior Transfer Date	Sep 6, 2007
Prior Transfer Doc	4680736
Record Updated	Oct 29, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Jul 10, 2023
Property Address	2813 CUTTER CT, WAXHAW, NC 28173-7992
Document Number	0000874233
Book / Page	8742 / 33
Map Reference	CAB G FILE 600
Instrument Date	Jul 7, 2023
Instrument	16451
Transaction Type	Transfer
Record Updated	Jul 20, 2023
Title Company	NOT AVAILABLE, INVESTORS TITLE

Transaction

Amount	Amount on Record
Tax	$3,370.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2813 CUTTER CT, WAXHAW, NC 28173-7992

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	PO BOX 1783, CASHIERS, NC 28717-1783

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	2813 CUTTER CT, WAXHAW, NC 28173-7992
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7630161
Date	Apr 6, 2020
Book Page	7630/161
Instrument	11483

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Apr 1, 2040

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	2813 CUTTER CT, WAXHAW, NC 28173-7992
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE GUARANTY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2813 CUTTER CT, WAXHAW, NC 28173-7992

Mortgage

Document Number	7844653
Date	Oct 14, 2020
Book Page	7844/653
Instrument	41354

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 2813 Cutter Ct was $4,902.

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		$1,055,300 (-) Land $169,600 Building $885,700	$1,055,300 (-) Land $169,600 Building $885,700
2025	$4,902.00	$1,055,300 Land $169,600 Building $885,700	$1,055,300 Land $169,600 Building $885,700
2023	$6,147.00	$982,800 (-) Land $265,600 Building $717,200	$982,800 (-) Land $265,600 Building $717,200
2022	$6,147.00	$982,800 Land $265,600 Building $717,200	$982,800 Land $265,600 Building $717,200

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

Flood

FEMA maps place 2813 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 2813 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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