Union County property record for 401 Cobblers Dr, Matthews, NC 28104
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2 ba · 1,801 sqft · built 1996 |
| Lot Size | 0.47 acres (20,473 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $168,000 (Feb 2012) |
| Tax Bill | $2,652 (2025) |
| Deeds & Mortgages | Mar 2022 Mortgage Feb 2024 Second Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-078-120 |
| Primary APN | 07-078-120 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,801 sqft Living Area |
| Gross Area | 2,261 sqft |
| 1st Floor Area | 1,801 sqft |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 20,473 sqft (0.47 acres) |
| Garage Type | Attached |
| Garage Area | 460 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 180 sqft |
| Deck Area | 312 sqft |
| Patio Area | 312 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 401 COBBLERS DR |
|---|---|
| City | MATTHEWS |
| State | NC |
| Zip | 28104-0623 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | R-20 STALL |
| Legal Description | #34 MILL STONE ESTATES OPCE016 |
| Legal Subdivision | MILL STONE ESTATES |
| Jurisdiction | UNION NC |
| Township / Civil Division | VANCE |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 20319 |
Source: Union County records, as of March 31, 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 | 401 COBBLERS DR, MATTHEWS, NC 28104-0623 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 22, 2022 | Deed of Trust, Mortgage FIFTH THIRD BANK NA |
| Feb 27, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage SHUFORD FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 1, 2012 · Amount on Record |
| Deed Sale | Feb 1, 2012 · Amount on Record |
| Prior Sale | Aug 1, 1996 · Amount on Record |
| Deed Document Number | 20123026 |
| Deed Book / Page | 5674 / 424 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 401 COBBLERS DR, MATTHEWS, NC 28104-0623 |
| Transaction Type | Mortgage |
| Record Updated | Dec 2, 2025 |
| Name | Verified Name |
|---|---|
| Address | 401 COBBLERS DR, MATTHEWS, NC 28104-0623 |
| Document Number | 0008431794 |
|---|---|
| Date | Mar 22, 2022 |
| Book Page | 8431/794 |
| Instrument | 10629 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Amount | Amount Recorded |
|---|---|
| Term | 357 Months |
| Due | Dec 25, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 401 COBBLERS DR, MATTHEWS, NC 28104-0623 |
| Transaction Type | Mortgage |
| Record Updated | Dec 2, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0008859384 |
|---|---|
| Date | Feb 27, 2024 |
| Book Page | 8859/384 |
| Instrument | 4140 |
| Name | SHUFORD FCU |
|---|---|
| Type | Credit Union |
| Address | HICKORY, NC 28601 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Union County assessment roll, as of March 31, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Union County |
| Municipality | Stallings Town |
| Unified School District | Union County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,652.00 (+14.06%) | $386,300 (+40.57%) Land $80,600 Building $305,700 | $386,300 (+40.57%) Land $80,600 Building $305,700 |
| 2023 | $2,325.00 | $274,800 Land $52,000 Building $222,800 | $274,800 Land $52,000 Building $222,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 4 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 99% of North Carolina |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 440 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 |
| Windstream DSL · Fiber in parts of the area | 200 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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