3400 Ringtail Dr, Waxhaw, NC 28173 Property Records

Union County property record for 3400 Ringtail Dr, Waxhaw, NC 28173

Property Summary

Property Type	Rural Home
Details	4 bd · 3.5 ba · 3,523 sqft · built 2013
Lot Size	0.287 acres (12,502 sqft)
Owner	2 Individual Names on File
Last Sale	$775,000 (Jan 2026)
Tax Bill	$5,952 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Jan 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`06-108-845`

Property Details

APN / Parcel Number

Primary APN	`06-108-845`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	3,523 sqft Living Area
1st Floor Area	2,141 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Architectural Style	Conventional
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Lot Area	12,502 sqft (0.287 acres)
Garage Type	Attached
Garage Area	471 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	316 sqft
Deck Area	168 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	3400 RINGTAIL DR
City	WAXHAW
State	NC
Zip	28173-7268
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	CU R-3 PRD
Legal Description	#512 LAWSON PH4 MAP12 OPCL968-969
Legal Subdivision	LAWSON
Jurisdiction	UNION NC
Township / Civil Division	SANDY RIDGE
Census Block Group	2
Census Block	2007
Census Tract	21012

Owner

3400 Ringtail Dr, a rural home, is owned by two individuals who bought it in January 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	31 FALLEN LEAF RD, HOLBROOK, NY 11741-2803
Owner Type	Individual
Vesting	Married Couple

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
Oct 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage WYNDHAM CAPITAL MORTGAGE INC
Jan 30, 2026	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Mar 26, 2024	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Dec 9, 2020	Warranty Deed, Transfer · Conventional Mortgage BETHPAGE FCU
Sep 15, 2017	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 30, 2026 · Amount on File
Deed Sale	Jan 30, 2026 · Amount on File
Prior Sale	Mar 26, 2024 · Amount on File
Deed Document Number	20262497
Deed Book / Page	9295 / 676
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	3400 RINGTAIL DR, WAXHAW, NC 28173-7268
Transaction Type	Mortgage
Record Updated	Feb 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0008272226
Date	Oct 7, 2021
Book Page	8272/226
Instrument	48025

Lender

Name	WYNDHAM CAPITAL MORTGAGE INC
Type	Mortgage Company
Address	CHARLOTTE, NC 28211

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2036

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Jan 30, 2026
Property Address	3400 RINGTAIL DR, WAXHAW, NC 28173-7268
Document Number	0009295676
Book / Page	9295 / 676
Map Reference	MB L PG 968&969
Instrument Date	Jan 21, 2026
Instrument	2497
Transaction Type	Transfer
Record Updated	Feb 16, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,550.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2030 BROOK MEADOW DR, ALPHARETTA, GA 30005-8312

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 FALLEN LEAF RD, HOLBROOK, NY 11741-2803

Mortgage

Document Number	0000002498
Date	Jan 30, 2026
Instrument	2498

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Mar 26, 2024
Property Address	3400 RINGTAIL DR, WAXHAW, NC 28173-7268
Document Number	0008874336
Book / Page	8874 / 336
Map Reference	MB L PG 968&969
Instrument Date	Mar 25, 2024
Instrument	6477
Transaction Type	Transfer
Record Updated	Apr 9, 2024
Title Company	NOT AVAILABLE, CAROLINA TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,598.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4089 EXPRESS DR N, RONKONKOMA, NY 11779-5505

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3400 RINGTAIL DR, WAXHAW, NC 28173-7268

Mortgage

Document Number	0000006478
Date	Mar 26, 2024
Instrument	6478

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2054

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Dec 9, 2020
Property Address	3400 RINGTAIL DR, WAXHAW, NC 28173-7268
Document Number	0007915360
Book / Page	7915 / 360
Map Reference	MB 1 PG 968&969
Instrument Date	Nov 23, 2020
Instrument	51291
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	$1,040.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7901 AGAPE LN, 7901, WAXHAW, NC 28173-9421

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3400 RINGTAIL DR, WAXHAW, NC 28173-7268

Mortgage

Document Number	0000051292
Date	Dec 9, 2020
Instrument	51292

Lender

Name	BETHPAGE FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2036

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Sep 15, 2017
Property Address	3400 RINGTAIL DR, WAXHAW, NC 28173-7268
Document Number	7015375
Book / Page	007015 / 000375
Instrument Date	Sep 13, 2017
Instrument	27130
Transaction Type	Transfer
Record Updated	Nov 21, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$900.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3400 RINGTAIL DR WAXHAW NC 281737268, WAXHAW, NC 28173-7268

Mortgage

Document Number	7015378
Date	Sep 15, 2017
Book Page	007015/000378
Instrument	27131

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 14, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 3400 Ringtail Dr was $5,952.

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		$772,800 (-) Land $153,300 Building $619,500	$772,800 (-) Land $153,300 Building $619,500
2025	$5,952.00	$772,800 Land $153,300 Building $619,500	$772,800 Land $153,300 Building $619,500
2023	$4,648.00	$458,000 Land $94,200 Building $363,800	$458,000 Land $94,200 Building $363,800

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

Flood

FEMA maps place 3400 Ringtail Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 3400 Ringtail Dr is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 93% of the US · lower than 95% of North Carolina
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Cell Coverage

5G (outdoors only) and 4G LTE

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