346 Main St, Matthews, NC 28105 Property Records

Mecklenburg County property record for 346 Main St, Matthews, NC 28105

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,442 sqft · built 2018
Lot Size	0.171 acres (7,490 sqft)
Owner	2 Individual Names on File
Last Sale	$493,500 (Sep 2018)
Tax Bill	$5,294 (2023)
Deeds & Mortgages	Jun 2021 Line of Credit Apr 2020 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`227-024-54`

Property Details

APN / Parcel Number

Primary APN	`227-024-54`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,442 sqft Heated Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	7,490 sqft (0.171 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	227-024-54
Street Address	346 MAIN ST
City	MATTHEWS
State	NC
Zip	28105-5652
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L51 M3-137
Legal Subdivision	AM BOYETT & WO & HEIGHTS BENTO
Legal Lot Number	51
Jurisdiction	MECKLENBURG NC
Township / Civil Division	13, MORNING STAR
Census Block Group	3
Census Block	3011
Census Tract	5833

Owner

346 Main St is owned and occupied by two individuals who bought it in September 2018.

Source: Mecklenburg County records, as of May 24, 2023

Owner of Record	2 Individual Names on File
Mailing Address	346 MAIN ST, MATTHEWS, NC 28105-5652
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
Jun 28, 2021	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Apr 20, 2020	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Apr 20, 2020	Deed of Trust, Mortgage · Commercial Mortgage FIRST CITIZENS BANK & TRUST CO
Sep 28, 2018	Grant Deed, Subdivision Related Transfer · Conventional Mortgage BANK OF AMERICA
Apr 20, 2018	Loan Modification, Mortgage · Line of Credit FIRST NAT'L BK/PA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 28, 2018 · Amount on File
Deed Sale	Sep 28, 2018 · Amount on File
Deed Document Number	0033009399
Deed Book / Page	33009 / 399
Record Updated	Jun 7, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	346 MAIN ST, MATTHEWS, NC 28105-5652
Transaction Type	Mortgage
Record Updated	May 22, 2026
Title Company	STEWART TITLE, STEWART TTL GUARANTY NON CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	346 MAIN ST, MATTHEWS, NC 28105-5652

Mortgage

Document Number	0000124811
Date	Jun 28, 2021
Book Page	36228/265
Instrument	2021124811

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	346 MAIN ST, MATTHEWS, NC 28105-5652
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	STEWART TITLE GUARANTY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000054858
Date	Apr 20, 2020
Book Page	34486/944
Instrument	2020054858

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	346 MAIN ST, MATTHEWS, NC 28105-5652
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE GUARANTY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000054857
Date	Apr 20, 2020
Book Page	34486/927
Instrument	2020054857

Lender

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

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

September 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Sep 28, 2018
Property Address	346 MAIN ST, MATTHEWS, NC 28105-5652
Document Number	0000123118
Book / Page	033009 / 000399
Instrument Date	Sep 28, 2018
Instrument	123118
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 22, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$987.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	346 MAIN ST MATTHEWS NC 28105, MATTHEWS, NC 28105

Mortgage

Document Number	123119
Date	Sep 28, 2018
Book Page	033009/000401
Instrument	123119

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 27, 2048

April 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MECKLENBURG NC
Recording Date	Apr 20, 2018
Property Address	346 MAIN ST, MATTHEWS, NC 28105-5652
Book / Page	032616 / 000444
Instrument Date	Apr 18, 2018
Instrument	47290
Transaction Type	Mortgage
Record Updated	Jan 12, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

Mortgage

Document Number	0000047290
Date	Apr 20, 2018
Book Page	032616/000444
Instrument	47290

Lender

Name	FIRST NAT'L BK/PA
Type	Bank
Address	1005 HIGH HOUSE RD, CARY, NC 27513-3586

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Mecklenburg County assessment roll, as of January 1, 2023

Property Jurisdictions

Type	Name
State	North Carolina
County	Mecklenburg County
Municipality	Matthews Town
Unified School District	Charlotte-Mecklenburg Schools (PK - 12)

Flood

FEMA maps place 346 Main St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2014.

Source: FEMA National Flood Hazard Layer, effective October 3, 2024 · 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	3 in force
Nearby Flood Claims	1 (2014)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2014 · 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 346 Main St 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 97% of the US · lower than 98.5% of North Carolina
Wildfire Likelihood	Under 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	CHARLOTTE WATER serves 1,206,285 people · EPA ID NC0160010
Water Source	Surface water
Last State Inspection	Jul 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 226 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ripple Fiber Fiber	2,000 / 2,000
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Google Fiber.

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