3232 Michelle Dr, Matthews, NC 28104 Property Records

Union County property record for 3232 Michelle Dr, Matthews, NC 28104

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,330 sqft · built 1986
Lot Size	1.2 acres (52,577 sqft)
Owner	2 Individual Names on File
Last Sale	$365,000 (Apr 2018)
Tax Bill	$2,500 (2025)
Deeds & Mortgages	Dec 2020 Construction Loan Apr 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-117-177`

Property Details

APN / Parcel Number

Primary APN	`06-117-177`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,330 sqft Living Area
Gross Area	3,268 sqft
1st Floor Area	2,330 sqft
Basement Area	938 sqft
Unfinished Basement	938 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	52,577 sqft (1.2 acres)
Porch	Slab
Porch Area	264 sqft
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	3232 MICHELLE DR
City	MATTHEWS
State	NC
Zip	28104-9382
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-40 WEDDI
Legal Description	#33 PROVIDENCE WOODS PH2 OPCB124A
Legal Subdivision	PROVIDENCE WOODS
Legal Tract	33
Jurisdiction	UNION NC
Township / Civil Division	SANDY RIDGE
Census Block Group	1
Census Block	1007
Census Tract	21019

Owner

3232 Michelle Dr is owned and occupied by two individuals who bought it in April 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	3232 MICHELLE DR, MATTHEWS, NC 28104-9382
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
Dec 16, 2020	Deed of Trust, Mortgage · Construction Mortgage FIRST CITIZENS BANK & TRUST CO
Apr 19, 2018	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 19, 2018 · Amount on File
Deed Sale	Apr 19, 2018 · Amount on File
Deed Document Number	201810235
Deed Book / Page	7139 / 585
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	3232 MICHELLE DR, WEDDINGTON, NC 28104-9382
Transaction Type	Mortgage
Record Updated	Dec 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3232 MICHELLE DR, MATTHEWS, NC 28104-9382

Mortgage

Document Number	0000792340
Date	Dec 16, 2020
Book Page	7923/40
Instrument	52433

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Construction Mortgage
Amount	Amount on Record

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Apr 19, 2018
Property Address	3232 MICHELLE DR, WEDDINGTON, NC 28104-9382
Document Number	0007139585
Book / Page	7139 / 585
Map Reference	FILE 124-A
Instrument Date	Apr 19, 2018
Instrument	0010235
Transaction Type	Transfer
Record Updated	Dec 14, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$730.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	388 CALMING WAY, 388, FORT MILL, SC 29708-8241

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3232 MICHELLE DR, WEDDINGTON, NC 28104-9382

Mortgage

Document Number	0000010236
Date	Apr 19, 2018
Instrument	0010236

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 3232 Michelle Dr was $2,500.

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		$500,500 (-) Land $105,000 Building $395,500	$500,500 (-) Land $105,000 Building $395,500
2025	$2,500.00	$500,500 Land $105,000 Building $395,500	$500,500 Land $105,000 Building $395,500
2023	$2,087.00	$329,700 Land $66,800 Building $262,900	$329,700 Land $66,800 Building $262,900

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

Flood

FEMA maps place 3232 Michelle Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.

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

Wildfire risk around 3232 Michelle Dr is moderate, ranking above 40% of the US, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · above 58% of North Carolina
Wildfire Likelihood	0.05% 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.

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