3003 Lydgate Dr, Waxhaw, NC 28173 Property Records

Union County property record for 3003 Lydgate Dr, Waxhaw, NC 28173

Property Summary

Property Type	Rural Home
Details	5 bd · 4.5 ba · 3,885 sqft · built 2016
Lot Size	0.225 acres (9,801 sqft)
Owner	2 Individual Names on Record
Last Sale	$467,500 (Jan 2017)
Tax Bill	$6,213 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-165-285`

Property Details

APN / Parcel Number

Primary APN	`05-165-285`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	3,885 sqft Living Area
1st Floor Area	1,793 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Conventional
Construction Type	Wood
Roof Type	Gable
Lot Area	9,801 sqft (0.225 acres)
Garage Type	Attached
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	219 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3003 LYDGATE DR
City	WAXHAW
State	NC
Zip	28173-4559
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	CU R-4 PRD
Legal Description	#538 MILLBRIDGE PH2E & PH2F MAP2 OPCN247-248
Legal Subdivision	MILLBRIDGE
Jurisdiction	UNION NC
Township / Civil Division	JACKSON
Census Block Group	3
Census Block	3040
Census Tract	21013

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	3003 LYDGATE DR, WAXHAW, NC 28173-4559
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOAN PRONTO INC
Apr 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Jan 27, 2017	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 27, 2017 · Amount on Record
Deed Sale	Jan 27, 2017 · Amount on Record
Deed Document Number	20172422
Deed Book / Page	6866 / 734
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	3003 LYDGATE DR, WAXHAW, NC 28173-4559
Transaction Type	Mortgage
Record Updated	Nov 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	8302329
Date	Nov 3, 2021
Book Page	8302/329
Instrument	52512

Lender

Name	LOAN PRONTO INC
Type	Non-Lending Institution
Address	CHARLOTTE, NC 28208

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2036

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	3003 LYDGATE DR, WAXHAW, NC 28173-4559
Document Number	7629718
Instrument Date	Apr 1, 2020
Transaction Type	Mortgage
Record Updated	Jun 12, 2020
Title Company	AMERICAN HOME TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3003 LYDGATE DR WAXHAW NC 281734559, WAXHAW, NC 28173-4559

Mortgage

Document Number	7629718
Date	Apr 6, 2020
Book Page	007629/000718
Instrument	11433

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 5, 2035

January 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Jan 27, 2017
Property Address	3003 LYDGATE DR, WAXHAW, NC 28173-4559
Document Number	0006866734
Book / Page	6866 / 734
Map Reference	CAB N FILE 247&248
Instrument Date	Jan 27, 2017
Instrument	0002422
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 14, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$935.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5615 POTTER RD, 5615, MATTHEWS, NC 28104-0508

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3003 LYDGATE DR, WAXHAW, NC 28173-4559

Mortgage

Document Number	0000002423
Date	Jan 27, 2017
Instrument	0002423

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2032

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$806,800 (-) Land $145,800 Building $661,000	$806,800 (-) Land $145,800 Building $661,000
2025	$6,213.00 (+19.55%)	$806,800 (+57.55%) Land $145,800 Building $661,000	$806,800 (+57.55%) Land $145,800 Building $661,000
2023	$5,197.00	$512,100 Land $88,400 Building $423,700	$512,100 Land $88,400 Building $423,700

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 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	4 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

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

Wildfire Risk	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within 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	UNION COUNTY WATER SYSTEM serves 169,685 people · EPA ID NC0190413
Water Source	Surface water
Last State Inspection	May 2026
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Mar 2020 Haloacetic acids resolved · Jul 2017
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 386 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
Windstream Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Comporium.

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