2820 Cutter Ct, Waxhaw, NC 28173 Property Records

Union County property record for 2820 Cutter Ct, Waxhaw, NC 28173

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 4,265 sqft · built 2003
Lot Size	2.59 acres (113,125 sqft)
Owner	2 Trust Names on File
Last Sale	$1,400,000 (Apr 2023)
Tax Bill	$6,498 (2025)
Deeds & Mortgages	Jan 2026 Transfer Apr 2023 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`06-207-110`

Property Details

APN / Parcel Number

Primary APN	`06-207-110`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	4,265 sqft Living Area
Gross Area	5,302 sqft
1st Floor Area	2,353 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	113,125 sqft (2.59 acres)
Garage Type	Detached
Garage Area	2,237 sqft
Parking Spaces	9 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	30 sqft
Deck Area	88 sqft
Patio Area	88 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2820 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	#36 WOODHALL PH1/MP2 OPCGPG600
Legal Subdivision	WOODHALL
Legal Lot Number	36
Jurisdiction	UNION NC
Township / Civil Division	SANDY RIDGE
Census Block Group	1
Census Block	1002
Census Tract	21016

Owner

2820 Cutter Ct is owner-occupied and held in a trust since April 2023.

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

Owner of Record	2 Trust Names on File
Mailing Address	2820 CUTTER CT, WAXHAW, NC 28173-7992
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family 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
Jan 6, 2026	Intrafamily Transfer, Transfer
Apr 28, 2023	Warranty Deed, Transfer
Aug 25, 2022	Deed of Trust, Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA
Jan 24, 2018	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA
May 4, 2017	Deed of Trust, Mortgage · Line of Credit US BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 28, 2023 · Amount on File
Deed Sale	Apr 28, 2023 · Amount on File
Prior Sale	Mar 31, 2015 · Amount on File
Deed Document Number	20239872
Deed Book / Page	8698 / 67
Record Updated	Oct 29, 2026

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	UNION NC
Recording Date	Jan 6, 2026
Property Address	2820 CUTTER CT, WAXHAW, NC 28173-7992
Document Number	0009281309
Book / Page	9281 / 309
Map Reference	CAB G FILE 600&601
Instrument Date	Dec 16, 2025
Instrument	256
Transaction Type	Transfer
Record Updated	Jan 28, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2820 CUTTER CT, WAXHAW, NC 28173-7992

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	2820 CUTTER CT, WAXHAW, NC 28173-7992
Investor	Possibly a Property Investor

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Apr 28, 2023
Property Address	2820 CUTTER CT, WAXHAW, NC 28173-7992
Document Number	0000869867
Book / Page	8698 / 67
Map Reference	CAB G FILE 600&601
Instrument Date	Apr 25, 2023
Instrument	9872
Transaction Type	Transfer
Record Updated	May 16, 2023

Transaction

Amount	Amount on Record
Tax	$2,800.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9363 SWAYING BRANCH RD, SARASOTA, FL 34241-4007

Transferred To (Grantee/Buyer)

Name	Verified Name

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	2820 CUTTER CT, WAXHAW, NC 28173-7992
Transaction Type	Mortgage
Record Updated	Sep 13, 2022
Title Company	CORPORATE SETTLEMENT SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2820 CUTTER CT, WAXHAW, NC 28173-7992

Mortgage

Document Number	0008556301
Date	Aug 25, 2022
Book Page	8556/301
Instrument	30043

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank
Address	CHARLOTTE, NC 28277

Agreement

Amount	Amount on Record
Term	300 Months
Due	Aug 12, 2047

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	2820 CUTTER CT, WAXHAW, NC 28173-7992
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7091797
Date	Jan 24, 2018
Book Page	7091/797
Instrument	0001894

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank
Address	HERMITAGE, PA 16148

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2033

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	2820 CUTTER CT, WAXHAW, NC 28173-7992
Document Number	6939418
Book / Page	006939 / 000418
Instrument Date	May 4, 2017
Transaction Type	Mortgage
Record Updated	Jul 14, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2820 CUTTER CT WAXHAW NC 281737992, WAXHAW, NC 28173-7992

Mortgage

Document Number	6939418
Date	May 26, 2017
Book Page	006939/000418
Instrument	14640

Lender

Name	US BK
Type	Bank
Address	OSHKOSH, WI 54902

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 2820 Cutter Ct was $6,498.

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		$1,398,700 (-) Land $335,400 Building $1,063,300	$1,398,700 (-) Land $335,400 Building $1,063,300
2025	$6,498.00	$1,398,700 Land $335,400 Building $1,063,300	$1,398,700 Land $335,400 Building $1,063,300
2023	$5,797.00	$926,900 Land $239,200 Building $687,700	$926,900 Land $239,200 Building $687,700

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

Flood

FEMA maps place 2820 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 2820 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 64% of the US · above 49% 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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