309 Oak Forest Cir, Matthews, NC 28104 Property Records

Union County property record for 309 Oak Forest Cir, Matthews, NC 28104

Property Summary

Property Type	Rural Home
Details	3 bd · 2.5 ba · 1,512 sqft · built 2024
Lot Size	0.6 acres (26,136 sqft)
Owner	Individual Name on File
Tax Bill	$921 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Aug 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-312-073`

Property Details

APN / Parcel Number

Primary APN	`08-312-073`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,512 sqft Living Area
Gross Area	1,120 sqft
1st Floor Area	1,512 sqft

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	26,136 sqft (0.6 acres)

Exterior Amenities

Porch	Slab
Porch Area	270 sqft
Deck Area	72 sqft
Patio Area	72 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	309 OAK FOREST CIR
City	MATTHEWS
State	NC
Zip	28104-3114
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	RA-20 UNIO
Legal Description	#58 GAYE PROPERTIES 8738-0736
Legal Subdivision	LITTLE-AUSTIN-CARPEN
Jurisdiction	UNION NC
Township / Civil Division	GOOSE CREEK
Census Block Group	2
Census Block	2001
Census Tract	20203

Owner

309 Oak Forest Cir, a rural home, is owned and occupied by an individual who acquired it in August 2023.

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

Owner of Record	Individual Name on File
Mailing Address	309 OAK FOREST CIR, MATTHEWS, NC 28104-3114
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
Nov 2, 2023	Deed of Trust, Mortgage · Conventional Mortgage VANDERBILT MORTGAGE & FINANCE INC
Aug 14, 2023	Intrafamily Transfer, Transfer
Jul 5, 2023	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Aug 13, 2023
Transfer Doc	0008762328
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	309 OAK FOREST CIR, MATTHEWS, NC 28104-3114
Transaction Type	Mortgage
Record Updated	Jan 9, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008806665
Date	Nov 2, 2023
Book Page	8806/665
Instrument	26580

Lender

Name	VANDERBILT MORTGAGE & FINANCE INC
Type	Mortgage Company
Address	MARYVILLE, TN 37804

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2053

August 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	UNION NC
Recording Date	Aug 14, 2023
Property Address	309 OAK FOREST CIR, MATTHEWS, NC 28104-3114
Document Number	0008762328
Book / Page	8762 / 328
Map Reference	MB 227 PG 466
Instrument Date	Aug 13, 2023
Instrument	19605
Transaction Type	Transfer
Record Updated	Aug 25, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	129 OAK FOREST CIR, STALLINGS, NC 28104-3111

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	309 OAK FOREST CIR, MATTHEWS, NC 28104-3114

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Jul 5, 2023
Property Address	309 OAK FOREST CIR, MATTHEWS, NC 28104-3114
Document Number	0008738736
Book / Page	8738 / 736
Map Reference	MB 227 PG 466
Instrument Date	Jun 30, 2023
Instrument	15945
Transaction Type	Transfer
Record Updated	Jul 20, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2015 STANDING TIMBER ROAD, CHEROKEE FALLS, SC 29702

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	129 OAK FOREST CIR, MATTHEWS, NC 28104-3111

Tax Assessment & Valuation

The 2025 property tax bill for 309 Oak Forest Cir was $921.

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		$193,300 (-) Land $20,800 Building $172,500	$193,300 (-) Land $20,800 Building $172,500
2025	$921.00	$193,300 Land $20,800 Building $172,500	$193,300 Land $20,800 Building $172,500
2023	$183.00 (+632%)	$29,000 (-) Land $13,800 Building $15,200	$29,000 (-) Land $13,800 Building $15,200
2022	$25.00	$29,000 Land $13,800 Building $15,200	$29,000 Land $13,800 Building $15,200

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

Flood

FEMA maps place 309 Oak Forest Cir 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 309 Oak Forest Cir is low, with a 0.02% 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	0.02% annual chance
Exposure	Direct burnable vegetation

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 130 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Windstream Fiber · DSL	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Ripple Fiber.

Cell Coverage

5G (outdoors only) and 4G LTE

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