3124 Michelle Dr, Matthews, NC 28104 Property Records

Union County property record for 3124 Michelle Dr, Matthews, NC 28104

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,761 sqft · built 1986
Lot Size	1.29 acres (56,410 sqft)
Owner	2 Company Names on Record
Last Sale	$555,000 (Sep 2018)
Tax Bill	$4,391 (2025)
Deeds & Mortgages	Jun 2022 Mortgage May 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`06-117-183`

Property Details

APN / Parcel Number

Primary APN	`06-117-183`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	3,761 sqft Living Area
Gross Area	4,361 sqft
1st Floor Area	1,461 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Colonial
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	56,410 sqft (1.29 acres)
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3124 MICHELLE DR
City	MATTHEWS
State	NC
Zip	28104-9381
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-40 WEDDI
Legal Description	#27 PROVIDENCE WOODS PH2 OPCB124A
Legal Subdivision	PROVIDENCE WOODS
Legal Tract	27
Legal Lot Number	27
Jurisdiction	UNION NC
Township / Civil Division	SANDY RIDGE
Census Block Group	1
Census Block	1007
Census Tract	21019

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Company Names on Record
Mailing Address	3124 MICHELLE DR, MATTHEWS, NC 28104-9381
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
May 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Apr 6, 2020	Deed of Trust, Construction Loan · Construction Mortgage QUICKEN LNS
Dec 1, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Sep 19, 2018	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 19, 2018 · Amount on Record
Deed Sale	Sep 19, 2018 · Amount on Record
Prior Sale	Oct 15, 1999 · Amount on Record
Deed Document Number	201826548
Deed Book / Page	7237 / 295
Last Transfer Date	Sep 10, 2024
Transfer Doc	0000900186
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	3124 MICHELLE DR, MATTHEWS, NC 28104-9381
Transaction Type	Mortgage
Record Updated	Jul 5, 2022
Title Company	AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008508543
Date	Jun 23, 2022
Book Page	8508/543
Instrument	22570

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	3124 MICHELLE DR, MATTHEWS, NC 28104-9381
Transaction Type	Mortgage
Record Updated	Dec 14, 2021
Title Company	AMROCK INC, AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008092115
Date	May 6, 2021
Book Page	8092/115
Instrument	21618

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

April 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	UNION NC
Recording Date	Apr 6, 2020
Property Address	3124 MICHELLE DR, MATTHEWS, NC 28104-9381
Document Number	7629479
Book / Page	007629 / 000479
Instrument Date	Apr 1, 2020
Instrument	11414
Transaction Type	Construction Loan
Record Updated	Jun 12, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3124 MICHELLE DR MATTHEWS NC 281049381, MATTHEWS, NC 28104-9381

Mortgage

Document Number	7629479
Date	Apr 6, 2020
Book Page	007629/000479
Instrument	11414

Lender

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

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Apr 5, 2021

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	3124 MICHELLE DR, MATTHEWS, NC 28104-9381
Document Number	7281457
Instrument Date	Dec 1, 2018
Transaction Type	Mortgage
Record Updated	Dec 27, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3124 MICHELLE DR MATTHEWS NC 281049381, MATTHEWS, NC 28104-9381

Mortgage

Document Number	7281457
Date	Dec 10, 2018
Book Page	007281/000457
Instrument	33837

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Dec 9, 2046

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Sep 19, 2018
Property Address	3124 MICHELLE DR, MATTHEWS, NC 28104-9381
Document Number	7237295
Book / Page	007237 / 000295
Instrument Date	Sep 19, 2018
Instrument	26548
Transaction Type	Transfer
Record Updated	Sep 11, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,110.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3124 MICHELLE DR MATTHEWS NC 281049381, MATTHEWS, NC 28104-9381

Mortgage

Document Number	7237297
Date	Sep 19, 2018
Book Page	007237/000297
Instrument	26549

Lender

Name	FAIRWAY INDEPENDENT MTG
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 18, 2048

Mortgage

Document Number	7237318,
Date	Sep 19, 2018
Book Page	007237/000318
Instrument	26550

Lender

Name	TOWER FCU
Type	Credit Union
Address	LAUREL, MD 20707

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 18, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$879,000 (-) Land $143,400 Building $735,600	$879,000 (-) Land $143,400 Building $735,600
2025	$4,391.00 (+26.91%)	$879,000 (+60.78%) Land $143,400 Building $735,600	$879,000 (+60.78%) Land $143,400 Building $735,600
2023	$3,460.00	$546,700 Land $91,400 Building $455,300	$546,700 Land $91,400 Building $455,300

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	9 in force
Nearby Flood Claims	1 (2020)
Most Recent Claim	Feb 2020 · 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

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

Wildfire Risk	Low lower than 62% of the US · above 52% of North Carolina
Wildfire Likelihood	0.04% 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 109 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Google Fiber Fiber	8,000 / 8,000
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Windstream.

Cell Coverage

5G (outdoors only) and 4G LTE

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