403 Castlestone Ln, Matthews, NC 28104 Property Records

Union County property record for 403 Castlestone Ln, Matthews, NC 28104

Property Summary

Property Type	Rural Home
Details	4 ba · 4,130 sqft · built 2001
Lot Size	0.798 acres (34,761 sqft)
Owner	2 Individual Names on File
Last Sale	$475,000 (Jan 2019)
Tax Bill	$3,940 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-048-043`

Property Details

APN / Parcel Number

Primary APN	`06-048-043`

Interior

Full Baths	4 Baths
Stories	2 Stories
Building Area	4,130 sqft Living Area
Gross Area	4,932 sqft
1st Floor Area	1,899 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	34,761 sqft (0.798 acres)
Garage Type	Attached
Garage Area	802 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	30 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	403 CASTLESTONE LN
City	MATTHEWS
State	NC
Zip	28104-7240
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R-40 UNION
Legal Description	#81 BLACKSTONE PH1 OPCH688
Legal Subdivision	BLACKSTONE
Legal Lot Number	81
Jurisdiction	UNION NC
Township / Civil Division	SANDY RIDGE
Census Block Group	4
Census Block	4002
Census Tract	21020

Owner

403 Castlestone Ln, a rural home, is owned and occupied by two individuals who bought it in January 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	403 CASTLESTONE LN, MATTHEWS, NC 28104-7240
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 30, 2025	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Jul 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage KEY BANK NA
Jan 14, 2019	Warranty Deed, Transfer · Conventional Mortgage SUNTRUST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 14, 2019 · Amount on File
Deed Sale	Jan 14, 2019 · Amount on File
Prior Sale	Sep 1, 2005 · Amount on File
Deed Document Number	2019892
Deed Book / Page	7297 / 637
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	403 CASTLESTONE LN, MATTHEWS, NC 28104-7240
Transaction Type	Mortgage
Record Updated	Nov 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0009233675
Date	Oct 30, 2025
Book Page	9233/675
Instrument	28492

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	181 Months
Due	Nov 14, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	403 CASTLESTONE LN, MATTHEWS, NC 28104-7240
Transaction Type	Mortgage
Record Updated	Dec 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008181276
Date	Jul 23, 2021
Book Page	8181/276
Instrument	34875

Lender

Name	KEY BANK NA
Type	Bank
Address	BRECKSVILLE, OH 44141

Agreement

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

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Jan 14, 2019
Property Address	403 CASTLESTONE LN, MATTHEWS, NC 28104-7240
Document Number	0007297637
Book / Page	7297 / 637
Map Reference	CAB F FILE 964
Instrument Date	Jan 11, 2019
Instrument	0000892
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	FIDELITY TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$950.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000893
Date	Jan 14, 2019
Instrument	0000893

Lender

Name	SUNTRUST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 403 Castlestone Ln was $3,940.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$848,100 (-) Land $146,800 Building $701,300	$848,100 (-) Land $146,800 Building $701,300
2025	$3,940.00	$848,100 Land $146,800 Building $701,300	$848,100 Land $146,800 Building $701,300
2023	$3,248.00	$519,300 Land $109,000 Building $410,300	$519,300 Land $109,000 Building $410,300

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

Flood

FEMA maps place 403 Castlestone Ln in Zone X, an area of minimal flood risk.

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	2 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 403 Castlestone 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	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 169 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ripple Fiber Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Windstream.

Cell Coverage

5G (outdoors only) and 4G LTE

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