3205 Ringtail Dr, Waxhaw, NC 28173 Property Records

Union County property record for 3205 Ringtail Dr, Waxhaw, NC 28173

Property Summary

Property Type	Rural Home
Details	6 bd · 5.5 ba · 3,552 sqft · built 2013
Lot Size	0.333 acres (14,505 sqft)
Owner	2 Individual Names on Record
Last Sale	$743,500 (Feb 2024)
Tax Bill	$5,750 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Feb 2024 Sale & Mortgage + 7 more
Flood Zone	Zone X (minimal risk)
APN	`06-108-854`

Property Details

APN / Parcel Number

Primary APN	`06-108-854`

Interior

Bedrooms	6 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,552 sqft Living Area
1st Floor Area	1,668 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Lot Area	14,505 sqft (0.333 acres)
Garage Type	Attached
Garage Area	476 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	219 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	3205 RINGTAIL DR
City	WAXHAW
State	NC
Zip	28173-7276
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	CU R-3 PRD
Legal Description	#656 LAWSON PH4 MAP12 OPCL968-969
Legal Subdivision	LAWSON
Jurisdiction	UNION NC
Township / Civil Division	SANDY RIDGE
Census Block Group	2
Census Block	2016
Census Tract	21012

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 Individual Names on Record
Mailing Address	3205 RINGTAIL DR, WAXHAW, NC 28173-7276
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Feb 18, 2026	Deed of Trust, Mortgage · Conventional Mortgage PENTAGON FCU
Feb 21, 2024	Warranty Deed, Transfer · Conventional Mortgage SUMMIT FUNDING INC
Jan 13, 2022	Intrafamily Transfer, Transfer
Dec 21, 2021	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Dec 21, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage BETTER MORTGAGE CORPORATION
Oct 21, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
May 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Mar 18, 2019	Grant Deed, Transfer USAA
Jul 24, 2017	Warranty Deed, Transfer · Conventional with PMI USAA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 21, 2024 · Amount on Record
Deed Sale	Feb 21, 2024 · Amount on Record
Prior Sale	Mar 18, 2019 · Amount on Record
Deed Document Number	20243697
Deed Book / Page	8856 / 727
Prior Transfer Date	Dec 16, 2021
Prior Transfer Doc	0008352111
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	3205 RINGTAIL DR, WAXHAW, NC 28173-7276
Transaction Type	Mortgage
Record Updated	Mar 3, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3205 RINGTAIL DR, WAXHAW, NC 28173-7276

Mortgage

Document Number	0009306634
Date	Feb 18, 2026
Book Page	9306/634
Instrument	3980

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	MC LEAN, VA 22102

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Feb 21, 2024
Property Address	3205 RINGTAIL DR, WAXHAW, NC 28173-7276
Document Number	0008856727
Book / Page	8856 / 727
Map Reference	MB L PG 968
Instrument Date	Feb 21, 2024
Instrument	3697
Transaction Type	Transfer
Record Updated	Mar 13, 2024
Title Company	HARBOR CITY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,487.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	56 W CHASIS CT, MILLS RIVER, NC 28759-5759

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3205 RINGTAIL DR, WAXHAW, NC 28173-7276

Mortgage

Document Number	0000003698
Date	Feb 21, 2024
Instrument	3698

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	UNION NC
Recording Date	Jan 13, 2022
Property Address	3205 RINGTAIL DR, WAXHAW, NC 28173-7276
Document Number	0008372727
Book / Page	8372 / 727
Map Reference	MB L PG 968&969
Instrument Date	Jan 13, 2022
Instrument	1666
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	3205 RINGTAIL DR, WAXHAW, NC 28173-7276

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	UNION NC
Recording Date	Dec 21, 2021
Property Address	3205 RINGTAIL DR, WAXHAW, NC 28173-7276
Document Number	0008352132
Book / Page	8352 / 132
Map Reference	MB L PG 968&969
Instrument Date	Dec 16, 2021
Instrument	59899
Transaction Type	Transfer
Record Updated	Aug 24, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3205 RINGTAIL DR, WAXHAW, NC 28173-7276

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	UNION NC
Recording Date	Dec 21, 2021
Property Address	3205 RINGTAIL DR, WAXHAW, NC 28173-7276
Document Number	0008352111
Book / Page	8352 / 111
Map Reference	MB L PG 968&969
Instrument Date	Dec 16, 2021
Instrument	59897
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	WESTCOR LAND TITLE INS CO

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	3205 RINGTAIL DR, WAXHAW, NC 28173-7276

Mortgage

Document Number	0000059898
Date	Dec 21, 2021
Instrument	59898

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jan 1, 2042

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	UNION NC
Recording Date	Oct 21, 2020
Property Address	3205 RINGTAIL DR, WAXHAW, NC 28173-7276
Document Number	7853669
Book / Page	007853 / 000669
Instrument Date	Oct 20, 2020
Instrument	42611
Transaction Type	Transfer
Record Updated	Nov 4, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	3205 RINGTAIL DR WAXHAW NC 281737276, WAXHAW, NC 28173-7276

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	3205 RINGTAIL DR, WAXHAW, NC 28173-7276
Document Number	7672634
Instrument Date	May 4, 2020
Transaction Type	Mortgage
Record Updated	Jul 15, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3205 RINGTAIL DR WAXHAW NC 281737276, WAXHAW, NC 28173-7276

Mortgage

Document Number	7672634
Date	May 19, 2020
Book Page	007672/000634
Instrument	17208

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 18, 2050

March 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	UNION NC
Recording Date	Mar 18, 2019
Property Address	3205 RINGTAIL DR, WAXHAW, NC 28173-7276
Document Number	7331650
Book / Page	007331 / 000650
Instrument Date	Mar 11, 2019
Instrument	6712
Transaction Type	Transfer
Record Updated	Apr 12, 2019
Title Company	SERVICELINK EAST ESCROW

Transaction

Amount	Amount Recorded
Tax	$300.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3205 RINGTAIL DR WAXHAW NC 281737276, WAXHAW, NC 28173-7276

Mortgage

Document Number	7331658
Date	Mar 18, 2019
Book Page	007331/000658
Instrument	6713

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 17, 2049

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Jul 24, 2017
Property Address	3205 RINGTAIL DR, WAXHAW, NC 28173-7276
Document Number	6978859
Book / Page	006978 / 000859
Instrument Date	May 3, 2017
Instrument	20998
Transaction Type	Transfer
Record Updated	Oct 27, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$790.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3205 RINGTAIL DR WAXHAW NC 281737276, WAXHAW, NC 28173-7276

Mortgage

Document Number	6978861
Date	Jul 24, 2017
Book Page	006978/000861
Instrument	20999

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 23, 2047

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		$746,600 (-) Land $153,300 Building $593,300	$746,600 (-) Land $153,300 Building $593,300
2025	$5,750.00 (+27.83%)	$746,600 (+68.46%) Land $153,300 Building $593,300	$746,600 (+68.46%) Land $153,300 Building $593,300
2023	$4,498.00	$443,200 Land $94,200 Building $349,000	$443,200 Land $94,200 Building $349,000

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	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

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.

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

Provider	Max Down / Up (Mbps)
Ripple Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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