3530 Cardiff Ln, Matthews, NC 28104 Property Records

Union County property record for 3530 Cardiff Ln, Matthews, NC 28104

Property Summary

Property Type	Rural Home
Details	4 bd · 3 ba · 2,871 sqft · built 1996
Lot Size	0.668 acres (29,098 sqft)
Owner	Individual Name on File
Last Sale	$320,000 (Mar 1997)
Tax Bill	$3,776 (2025)
Deeds & Mortgages	May 2021 Line of Credit Mar 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`07-054-577`

Property Details

APN / Parcel Number

Primary APN	`07-054-577`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	2,871 sqft Living Area
Gross Area	3,507 sqft
1st Floor Area	2,125 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Conventional
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	29,098 sqft (0.668 acres)
View / Lot	Waterfront / Beach
Garage Type	Attached
Garage Area	599 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	292 sqft
Deck Area	478 sqft
Patio Area	478 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3530 CARDIFF LN
City	MATTHEWS
State	NC
Zip	28104-0608
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R-15 STALL
Legal Description	#75 SHANNAMARA-TRAMORE 03530 CARDIFF LN
Legal Subdivision	SHANNAMARA - TRAMORE
Jurisdiction	UNION NC
Township / Civil Division	VANCE
Census Block Group	1
Census Block	1014
Census Tract	20310

Owner

3530 Cardiff Ln, a rural home, is owned and occupied by an individual who bought it in March 1997.

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

Owner of Record	Individual Name on File
Mailing Address	3530 CARDIFF LN, MATTHEWS, NC 28104-0608
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
May 26, 2021	Deed of Trust, Mortgage · Line of Credit TOWNEBANK
Mar 19, 2020	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 20, 1997 · Amount on File
Deed Sale	Mar 20, 1997 · Amount on File
Deed Book / Page	952 / 890
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	3530 CARDIFF LN, MATTHEWS, NC 28104-0608
Transaction Type	Mortgage
Record Updated	Jun 11, 2021
Title Company	CORPORATE SETTLEMENTS, CORPORATE SETTLEMENT SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3530 CARDIFF LN, MATTHEWS, NC 28104-0608

Mortgage

Document Number	8115693
Date	May 26, 2021
Book Page	8115/693
Instrument	25127

Lender

Name	TOWNEBANK
Type	Bank
Address	CHARLOTTE, NC 28207

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	420 Months
Due	May 4, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	3530 CARDIFF LN, MATTHEWS, NC 28104-0608
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TTL GUARANTY NON CA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7613222
Date	Mar 19, 2020
Book Page	7613/222
Instrument	9171

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

Tax Assessment & Valuation

The 2025 property tax bill for 3530 Cardiff Ln was $3,776.

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		$557,000 (-) Land $116,600 Building $440,400	$557,000 (-) Land $116,600 Building $440,400
2025	$3,776.00	$557,000 Land $116,600 Building $440,400	$557,000 Land $116,600 Building $440,400
2023	$4,002.00	$481,100 Land $87,900 Building $393,200	$481,100 Land $87,900 Building $393,200

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

Flood

FEMA maps place 3530 Cardiff Ln in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2005.

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	1 in force
Nearby Flood Claims	3 (2005–2015)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Aug 2015 · 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 3530 Cardiff Ln is low, with 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 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	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	REEDY CREEK MHP private · serves 64 people · EPA ID NC0160168
Water Source	Groundwater
Last State Inspection	Aug 2024
Also Mapped Here	UNION COUNTY WATER SYSTEM
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	15 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 236 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Windstream.

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