3404 Timber Mill Dr, Matthews, NC 28104 Property Records

Union County property record for 3404 Timber Mill Dr, Matthews, NC 28104

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,120 sqft · built 2023
Lot Size	0.039 acres (1,699 sqft)
Owner	2 Individual Names on Record
Last Sale	$385,000 (Apr 2025)
Tax Bill	$2,602 (2025)
Deeds & Mortgages	Apr 2025 Sale & Mortgage Aug 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-099-278`

Property Details

APN / Parcel Number

Primary APN	`07-099-278`

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 2023
Effective Year Built	Effective 2023
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	3404 TIMBER MILL DR
City	MATTHEWS
State	NC
Zip	28104-1156
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	#21 STONE CREEK TOWNHOMES PH1 MAP1 OPCQ338-339
Legal Subdivision	STONE CREEK TOWNHOMES PHASE 1
Jurisdiction	UNION NC
Township / Civil Division	VANCE
Census Block Group	1
Census Block	1003
Census Tract	20312

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3404 TIMBER MILL DR, MATTHEWS, NC 28104-1156
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2025	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Aug 22, 2023	Special Warranty Deed, Transfer · Conventional Mortgage NVR MORTGAGE FINANCE INC
Apr 24, 2023	Warranty Deed, Transfer NVR SETTLEMENT SERVICES LAG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 16, 2025 · Amount on Record
Deed Sale	Apr 16, 2025 · Amount on Record
Prior Sale	Aug 22, 2023 · Amount on Record
Deed Document Number	20259228
Deed Book / Page	9100 / 357
Record Updated	Oct 29, 2026

April 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Apr 16, 2025
Property Address	3404 TIMBER MILL DR, MATTHEWS, NC 28104-1156
Document Number	0009100357
Book / Page	9100 / 357
Map Reference	CAB Q FILE 338&339
Instrument Date	Apr 16, 2025
Instrument	9228
Transaction Type	Transfer
Record Updated	Mar 31, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$770.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4004 TREMONT DR, INDIAN TRAIL, NC 28079-8852

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3404 TIMBER MILL DR, MATTHEWS, NC 28104-1156

Mortgage

Document Number	0000009229
Date	Apr 16, 2025
Instrument	9229

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Type Change Date	May 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11.2%
Index	SOFR Average 30-Day
Margin	3
Max Rate	11.2%

August 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	UNION NC
Recording Date	Aug 22, 2023
Property Address	3404 TIMBER MILL DR, MATTHEWS, NC 28104-1156
Document Number	0000087681
Book / Page	8768 / 1
Map Reference	CAB Q FILE 338-339
Instrument Date	Aug 22, 2023
Instrument	20426
Transaction Type	Transfer
Record Updated	Mar 31, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$727.00
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	3404 TIMBER MILL DR, STALLINGS, NC 28104-1156

Mortgage

Document Number	0000020427
Date	Aug 22, 2023
Instrument	20427

Lender

Name	NVR MORTGAGE FINANCE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Apr 24, 2023
Property Address	3404 TIMBER MILL DR, MATTHEWS, NC 28104-1156
Document Number	0008695269
Book / Page	8695 / 269
Map Reference	CAB Q FILE 262&263
Instrument Date	Apr 17, 2023
Instrument	9472
Transaction Type	Transfer
Record Updated	Mar 31, 2026
Title Company	NVR SETTLEMENT SERVICES LAG

Transaction

Amount	Amount Recorded
Tax	$887.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1905 WOODSTOCK RD STE 9250, 9250, ROSWELL, GA 30075-5640

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10720 SIKES PL STE 300, 300, CHARLOTTE, NC 28277-8143
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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		$378,700 (-) Land $91,400 Building $287,300	$378,700 (-) Land $91,400 Building $287,300
2025	$2,602.00 (+624.79%)	$378,700 (+764.61%) Land $91,400 Building $287,300	$378,700 (+764.61%) Land $91,400 Building $287,300
2023	$359.00 (-11.36%)	$43,800 (-) Land $43,800	$43,800 (-) Land $43,800
2022	$405.00	$43,800 Land $43,800	$43,800 Land $43,800

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	Low lower than 63% of the US · above 51% 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 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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