3504 Ringtail Dr, Waxhaw, NC 28173 Property Records

Union County property record for 3504 Ringtail Dr, Waxhaw, NC 28173

Property Summary

Property Type	Rural Home
Details	5 bd · 3.5 ba · 3,499 sqft · built 2013
Lot Size	0.324 acres (14,113 sqft)
Owner	2 Individual Names on File
Last Sale	$334,000 (May 2014)
Tax Bill	$5,929 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-108-842`

Property Details

APN / Parcel Number

Primary APN	`06-108-842`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	3,499 sqft Living Area
1st Floor Area	2,117 sqft
Basement Area	224 sqft
Unfinished Basement	224 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	14,113 sqft (0.324 acres)
Garage Type	Attached
Garage Area	471 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	260 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	3504 RINGTAIL DR
City	WAXHAW
State	NC
Zip	28173-7269
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	CU R-3 PRD
Legal Description	#509 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

3504 Ringtail Dr, a rural home, is owned and occupied by two individuals who bought it in May 2014.

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

Owner of Record	2 Individual Names on File
Mailing Address	3504 RINGTAIL DR, WAXHAW, NC 28173-7269
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
Oct 5, 2022	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Aug 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC
May 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage FOUNDERS FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 8, 2014 · Amount on File
Deed Sale	May 8, 2014 · Amount on File
Deed Document Number	201411027
Deed Book / Page	6221 / 798
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	3504 RINGTAIL DR, WAXHAW, NC 28173-7269
Transaction Type	Mortgage
Record Updated	Oct 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008585562
Date	Oct 5, 2022
Book Page	8585/562
Instrument	34574

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	INDIAN TRAIL, NC 28079

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	3504 RINGTAIL DR, WAXHAW, NC 28173-7269
Transaction Type	Mortgage
Record Updated	Sep 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	8213608
Date	Aug 23, 2021
Book Page	8213/608
Instrument	39594

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	3504 RINGTAIL DR, WAXHAW, NC 28173-7269
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7663484
Date	May 11, 2020
Book Page	7663/484
Instrument	15943

Lender

Name	FOUNDERS FCU
Type	Credit Union
Address	LANCASTER, SC 29720

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 5, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Jun 1, 2035
Min Rate At Change	3%
Max Rate At Change	9.25%
Index	Other
Max Rate	9.25%

Tax Assessment & Valuation

The 2025 property tax bill for 3504 Ringtail Dr was $5,929.

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		$769,900 (-) Land $153,300 Building $616,600	$769,900 (-) Land $153,300 Building $616,600
2025	$5,929.00	$769,900 Land $153,300 Building $616,600	$769,900 Land $153,300 Building $616,600
2023	$4,482.00	$441,700 Land $94,200 Building $347,500	$441,700 Land $94,200 Building $347,500

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

Flood

FEMA maps place 3504 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 3504 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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