406 Sugar Maple Ln, Matthews, NC 28104 Property Records

Union County property record for 406 Sugar Maple Ln, Matthews, NC 28104

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 5,063 sqft · built 2024
Lot Size	0.563 acres (24,524 sqft)
Owner	Individual Name on File
Last Sale	$2,420,000 (Mar 2026)
Tax Bill	$9,070 (2025)
Deeds & Mortgages	Mar 2025 Line of Credit Nov 2023 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-042-248`

Property Details

APN / Parcel Number

Primary APN	`06-042-248`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Building Area	5,063 sqft Living Area
1st Floor Area	2,671 sqft

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Lot Area	24,524 sqft (0.563 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	406 SUGAR MAPLE LN
City	MATTHEWS
State	NC
Zip	28104-0078
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	#51 TWIN LAKES FARM PH2 MP1 OPCQ047 OPCQ282
Legal Subdivision	TWIN LAKES FARM PHASE 2
Jurisdiction	UNION NC
Township / Civil Division	SANDY RIDGE
Census Block Group	2
Census Block	2010
Census Tract	21019

Owner

406 Sugar Maple Ln is owned and occupied by an individual who bought it in March 2026.

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

Owner of Record	Individual Name on File
Mailing Address	406 SUGAR MAPLE LN, MATTHEWS, NC 28104-0078
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
Mar 13, 2025	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Nov 28, 2023	Deed of Trust, Mortgage · Construction Mortgage TD BANK NA
Mar 4, 2026	Warranty Deed, Transfer · Conventional Mortgage AMERICAN SECURITY MORTGAGE CORP
Aug 4, 2023	Warranty Deed, Transfer CAROLINA TITLE COMPANY INC, CAROLINA TITLE COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 4, 2026 · Amount on File
Deed Sale	Mar 4, 2026 · Amount on File
Prior Sale	Aug 4, 2023 · Amount on File
Deed Document Number	20265691
Deed Book / Page	9318 / 817
Record Updated	Oct 29, 2026

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	406 SUGAR MAPLE LN, MATTHEWS, NC 28104-0078
Transaction Type	Mortgage
Record Updated	Mar 31, 2026
Title Company	STEWART TITLE, STEWART TTL GUARANTY NON CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 SUGAR MAPLE LN, MATTHEWS, NC 28104-0078

Mortgage

Document Number	0009077348
Date	Mar 13, 2025
Book Page	9077/348
Instrument	5901

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

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	406 SUGAR MAPLE LN, MATTHEWS, NC 28104-0078
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2253 SHAGBARK LN, MATTHEWS, NC 28104-7750

Mortgage

Document Number	0008818568
Date	Nov 28, 2023
Book Page	8818/568
Instrument	28501

Lender

Name	TD BANK NA
Type	Bank
Address	WILMINGTON, DE 19808

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.12%
Type Change Date	Dec 1, 2030
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	12.1%
Index	SOFR Average 30-Day
Margin	3
Max Rate	12.1%

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Mar 4, 2026
Property Address	406 SUGAR MAPLE LN, MATTHEWS, NC 28104-0078
Document Number	0009318817
Book / Page	9318 / 817
Map Reference	CAB Q FILE 282-286
Instrument Date	Mar 4, 2026
Instrument	5691
Transaction Type	Transfer
Record Updated	Mar 31, 2026
Title Company	LIBERTY PREMIER TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,840.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1722 WAXHAW INDIAN TRAIL RD S, WAXHAW, NC 28173-7771

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 SUGAR MAPLE LN, MATTHEWS, NC 28104-0078

Mortgage

Document Number	0000005692
Date	Mar 4, 2026
Instrument	5692

Lender

Name	AMERICAN SECURITY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Aug 4, 2023
Property Address	406 SUGAR MAPLE LN, MATTHEWS, NC 28104-0078
Document Number	0008757563
Book / Page	8757 / 563
Map Reference	CAB Q FILE 282-286
Instrument Date	Aug 4, 2023
Instrument	18860
Transaction Type	Transfer
Record Updated	Mar 31, 2026
Title Company	CAROLINA TITLE COMPANY INC, CAROLINA TITLE COMPANY

Transaction

Amount	Amount on Record
Tax	$660.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	231 POST OFFICE DR, INDIAN TRAIL, NC 28079-7677

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2253 SHAGBARK LN, MATTHEWS, NC 28104-7750

Tax Assessment & Valuation

The 2025 property tax bill for 406 Sugar Maple Ln was $9,070.

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		$1,952,300 (-) Land $336,000 Building $1,616,300	$1,952,300 (-) Land $336,000 Building $1,616,300
2025	$9,070.00	$1,952,300 Land $336,000 Building $1,616,300	$1,952,300 Land $336,000 Building $1,616,300
2023	$1,516.00	$242,500 (-) Land $242,500	$242,500 (-) Land $242,500
2022	$1,516.00	$242,500 Land $242,500	$242,500 Land $242,500

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 406 Sugar Maple 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	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.

Wildfire

Wildfire risk around 406 Sugar Maple 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 67 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Windstream Fiber · DSL in parts of the area	1,000 / 1,000

May also be available: AT&T, Verizon.

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