401 Timber Top Ct, Matthews, NC 28104 Property Records

Union County property record for 401 Timber Top Ct, Matthews, NC 28104

Property Summary

Property Type	Rural Home
Details	6 bd · 5.5 ba · 4,572 sqft · built 2016
Lot Size	0.475 acres (20,691 sqft)
Owner	2 Company Names on Record
Last Sale	$635,000 (Aug 2016)
Tax Bill	$5,314 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Jun 2018 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`06-099-427`

Property Details

APN / Parcel Number

Primary APN	`06-099-427`

Interior

Bedrooms	6 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	4,572 sqft Living Area
1st Floor Area	2,575 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Lot Area	20,691 sqft (0.475 acres)
Garage Type	Attached
Garage Area	713 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	270 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	401 TIMBER TOP CT
City	MATTHEWS
State	NC
Zip	28104-7417
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	#35 LAKE FOREST PRESERVE PH3B MAP2 OPCM241-243 OPCM477
Legal Subdivision	LAKE FOREST PRESERVE
Jurisdiction	UNION NC
Township / Civil Division	SANDY RIDGE
Census Block Group	2
Census Block	2011
Census Tract	21018

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 Company Names on Record
Mailing Address	401 TIMBER TOP CT, MATTHEWS, NC 28104-7417
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2022	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Jun 19, 2018	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Aug 26, 2020	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Aug 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Mar 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC
Sep 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 19, 2019	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 25, 2016 · Amount on Record
Deed Sale	Aug 25, 2016 · Amount on Record
Prior Sale	Jul 23, 2015 · Amount on Record
Deed Document Number	201625738
Deed Book / Page	6752 / 736
Last Transfer Date	Aug 2, 2024
Transfer Doc	0008961216
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	401 TIMBER TOP CT, MATTHEWS, NC 28104-7417
Transaction Type	Mortgage
Record Updated	Sep 20, 2022
Title Company	STEWART TTL GUARANTY NON CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 TIMBER TOP CT, MATTHEWS, NC 28104-7417

Mortgage

Document Number	0008563604
Date	Sep 1, 2022
Book Page	8563/604
Instrument	31159

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	401 TIMBER TOP CT, MATTHEWS, NC 28104-7417
Transaction Type	Mortgage
Record Updated	Aug 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007178508
Date	Jun 19, 2018
Book Page	7178/508
Instrument	0016647

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	401 TIMBER TOP CT, MATTHEWS, NC 28104-7417
Transaction Type	Mortgage
Record Updated	Aug 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 TIMBER TOP CT, MATTHEWS, NC 28104-7417

Mortgage

Document Number	0007787540
Date	Aug 26, 2020
Book Page	7787/540
Instrument	33427

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	401 TIMBER TOP CT, MATTHEWS, NC 28104-7417
Transaction Type	Mortgage
Record Updated	Aug 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007787519
Date	Aug 26, 2020
Book Page	7787/519
Instrument	33426

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2035

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	401 TIMBER TOP CT, MATTHEWS, NC 28104-7417
Transaction Type	Mortgage
Record Updated	Aug 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008011699
Date	Mar 3, 2021
Book Page	8011/699
Instrument	10002

Lender

Name	NEWREZ LLC
Type	Non-Lending Institution
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2036

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	401 TIMBER TOP CT, MATTHEWS, NC 28104-7417
Transaction Type	Mortgage
Record Updated	Aug 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008240539
Date	Sep 13, 2021
Book Page	8240/539
Instrument	43411

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2036

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	401 TIMBER TOP CT, MATTHEWS, NC 28104-7417
Document Number	74569
Instrument Date	Aug 19, 2019
Transaction Type	Mortgage
Record Updated	Sep 27, 2019
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 TIMBER TOP CT MATTHEWS NC 281047417, MATTHEWS, NC 28104-7417

Mortgage

Document Number	74569
Date	Sep 3, 2019
Book Page	007456/000009
Instrument	26372

Lender

Name	FIRST CITIZENS BK
Type	Bank
Address	RALEIGH, NC 27611-6592

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Union County assessment roll, as of March 31, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Union County
Municipality	Weddington Town
Unified School District	Union County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,063,800 (-) Land $197,000 Building $866,800	$1,063,800 (-) Land $197,000 Building $866,800
2025	$5,314.00 (+16.54%)	$1,063,800 (+47.67%) Land $197,000 Building $866,800	$1,063,800 (+47.67%) Land $197,000 Building $866,800
2023	$4,560.00	$720,400 Land $124,500 Building $595,900	$720,400 Land $124,500 Building $595,900

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

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
Nearby Flood Policies	1 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

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	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 151 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Google Fiber Fiber	8,000 / 8,000
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

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