3104 Timber Mill Dr, Matthews, NC 28104 Property Records

Union County property record for 3104 Timber Mill Dr, Matthews, NC 28104

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,120 sqft · built 2022
Lot Size	0.039 acres (1,699 sqft)
Owner	Individual Name on File
Last Sale	$415,000 (May 2025)
Tax Bill	$2,597 (2025)
Deeds & Mortgages	May 2025 Sale & Mortgage May 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-099-263`

Property Details

APN / Parcel Number

Primary APN	`07-099-263`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	2,120 sqft Living Area
1st Floor Area	440 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Lot Area	1,699 sqft (0.039 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3104 TIMBER MILL DR
City	MATTHEWS
State	NC
Zip	28104-1152
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	#6 STONE CREEK TOWNHOMES PH1 MAP1 OPCQ338-339
Legal Subdivision	STONE CREEK TOWNHOMES
Jurisdiction	UNION NC
Township / Civil Division	VANCE
Census Block Group	1
Census Block	1003
Census Tract	20312

Owner

3104 Timber Mill Dr is owned and occupied by an individual who bought it in May 2025.

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

Owner of Record	Individual Name on File
Mailing Address	3104 TIMBER MILL DR, MATTHEWS, NC 28104-1152
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

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
May 16, 2025	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
May 16, 2022	Special Warranty Deed, Transfer · Conventional Mortgage NVR MORTGAGE FINANCE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 16, 2025 · Amount on File
Deed Sale	May 16, 2025 · Amount on File
Prior Sale	May 16, 2022 · Amount on File
Deed Document Number	202512095
Deed Book / Page	9119 / 699
Record Updated	Oct 29, 2026

May 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	May 16, 2025
Property Address	3104 TIMBER MILL DR, MATTHEWS, NC 28104-1152
Document Number	0009119699
Book / Page	9119 / 699
Map Reference	CAB Q FILE 338&339
Instrument Date	May 16, 2025
Instrument	12095
Transaction Type	Transfer
Record Updated	Mar 31, 2026
Title Company	FOREHAND TITLE COMPANY, MOREHEAD TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$830.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2507 LYNBRIDGE DR, CHARLOTTE, NC 28226-7703

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3104 TIMBER MILL DR, MATTHEWS, NC 28104-1152

Mortgage

Document Number	0000012096
Date	May 16, 2025
Instrument	12096

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2055

May 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	UNION NC
Recording Date	May 16, 2022
Property Address	3104 TIMBER MILL DR, MATTHEWS, NC 28104-1152
Document Number	0008478516
Book / Page	8478 / 516
Map Reference	CAB Q FILE 262&263
Instrument Date	Apr 25, 2022
Instrument	17833
Transaction Type	Transfer
Record Updated	Mar 31, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$774.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10710 SIKES PL STE 250, 250, CHARLOTTE, NC 28277-8182

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3104 TIMBER MILL DRIVE, STALLINGS, NC 28104-1152

Mortgage

Document Number	0000017834
Date	May 16, 2022
Instrument	17834

Lender

Name	NVR MORTGAGE FINANCE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Type Change Date	Jun 1, 2029
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	9.12%
Index	Other
Max Rate	9.12%

Tax Assessment & Valuation

The 2025 property tax bill for 3104 Timber Mill Dr was $2,597.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$378,000 (-) Land $91,400 Building $286,600	$378,000 (-) Land $91,400 Building $286,600
2025	$2,597.00	$378,000 Land $91,400 Building $286,600	$378,000 Land $91,400 Building $286,600
2023	$2,282.00	$277,700 Land $43,800 Building $233,900	$277,700 Land $43,800 Building $233,900

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

Flood

FEMA maps place 3104 Timber Mill Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2026.

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
Flood Insurance Cost	Premium on File median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	1 (2026)
Most Recent Claim	May 2026 · rainfall accumulation

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 3104 Timber Mill Dr is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 67% of the US · above 43% of North Carolina
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond 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 179 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Ripple Fiber, Windstream.

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