Union County property record for 304 Trapper Cove Ln, Matthews, NC 28104
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,905 sqft · built 1998 |
| Lot Size | 1.03 acres (44,867 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $550,000 (Dec 2018) |
| Tax Bill | $4,368 (2025) |
| Deeds & Mortgages | Nov 2021 Line of Credit Jan 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-069-265 |
| Primary APN | 06-069-265 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,905 sqft Living Area |
| Gross Area | 4,457 sqft |
| 1st Floor Area | 2,396 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 44,867 sqft (1.03 acres) |
| Garage Type | Attached |
| Garage Area | 552 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | Deck Area |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 304 TRAPPER COVE LN |
|---|---|
| City | MATTHEWS |
| State | NC |
| Zip | 28104-7404 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-40 WEDDI |
| Legal Description | #8 ANTIOCH PLANTATION MAP2 OPCE793 |
| Legal Subdivision | ANTIOCH PLANTATION |
| Legal Lot Number | 8 |
| Jurisdiction | UNION NC |
| Township / Civil Division | SANDY RIDGE |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 21021 |
304 Trapper Cove Ln is owned and occupied by two individuals who bought it in December 2018.
Source: Union County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 304 TRAPPER COVE LN, MATTHEWS, NC 28104-7404 |
| 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.
| Date | Document |
|---|---|
| Nov 5, 2021 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Jan 4, 2021 | Deed of Trust, Mortgage · Conventional Mortgage WATERMARK CAPITAL INC |
| Dec 19, 2019 | Deed of Trust, Mortgage · Conventional Mortgage WATERMARK CAP |
| Dec 6, 2018 | Warranty Deed, Transfer · Conventional Mortgage WATERMARK CAP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 6, 2018 · Amount on File |
| Deed Sale | Dec 6, 2018 · Amount on File |
| Prior Sale | May 4, 2010 · Amount on File |
| Deed Document Number | 201833603 |
| Deed Book / Page | 7280 / 43 |
| Prior Transfer Date | Jul 29, 1998 |
| Prior Transfer Doc | 0000056895 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 304 TRAPPER COVE LN, MATTHEWS, NC 28104-7404 |
| Transaction Type | Mortgage |
| Record Updated | Nov 22, 2021 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC |
| Name | Verified Name |
|---|---|
| Address | 304 TRAPPER COVE LN, MATTHEWS, NC 28104-7404 |
| Document Number | 8304485 |
|---|---|
| Date | Nov 5, 2021 |
| Book Page | 8304/485 |
| Instrument | 52873 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Oct 19, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 304 TRAPPER COVE LN, MATTHEWS, NC 28104-7404 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | PRIORITY TITLE AND ESCROW |
| Name | Verified Name |
|---|
| Document Number | 794166 |
|---|---|
| Date | Jan 4, 2021 |
| Book Page | 7941/66 |
| Instrument | 1 |
| Name | WATERMARK CAPITAL INC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92618 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 304 TRAPPER COVE LN, MATTHEWS, NC 28104-7404 |
| Document Number | 7555194 |
| Instrument Date | Dec 19, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 30, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SYNRGO INC BREA |
| Name | Verified Name |
|---|---|
| Address | 304 TRAPPER COVE LN MATTHEWS NC 281047404, MATTHEWS, NC 28104-7404 |
| Document Number | 7555194 |
|---|---|
| Date | Jan 2, 2020 |
| Book Page | 007555/000194 |
| Instrument | 92 |
| Name | WATERMARK CAP |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92618 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Dec 6, 2018 |
| Property Address | 304 TRAPPER COVE LN, MATTHEWS, NC 28104-7404 |
| Document Number | 728043 |
| Book / Page | 007280 / 000043 |
| Instrument Date | Dec 3, 2018 |
| Instrument | 33603 |
| Transaction Type | Transfer |
| Record Updated | Dec 28, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,100.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 304 TRAPPER COVE LN MATTHEWS NC 281047404, MATTHEWS, NC 28104-7404 |
| Document Number | 728045 |
|---|---|
| Date | Dec 6, 2018 |
| Book Page | 007280/000045 |
| Instrument | 33604 |
| Name | WATERMARK CAP |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92618 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 5, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.5% |
The 2025 property tax bill for 304 Trapper Cove Ln was $4,368.
Source: Union County assessment roll, as of March 31, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Union County |
| Municipality | Weddington Town |
| Unified School District | Union County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $874,300 (-) Land $175,100 Building $699,200 | $874,300 (-) Land $175,100 Building $699,200 | |
| 2025 | $4,368.00 | $874,300 Land $175,100 Building $699,200 | $874,300 Land $175,100 Building $699,200 |
| 2023 | $3,392.00 | $536,000 Land $90,000 Building $446,000 | $536,000 Land $90,000 Building $446,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 304 Trapper Cove Ln 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 | 3 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 risk around 304 Trapper Cove Ln is low, with a 0.01% annual chance of 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 58 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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