414 Five Leaf Ln, Waxhaw, NC 28173 Property Records

Union County property record for 414 Five Leaf Ln, Waxhaw, NC 28173

Property Summary

Property Type	Rural Home
Details	5 bd · 4.5 ba · 4,587 sqft · built 2012
Lot Size	0.475 acres (20,691 sqft)
Owner	2 Individual Names on File
Last Sale	$511,000 (Oct 2012)
Tax Bill	$5,075 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit Nov 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-072-138`

Property Details

APN / Parcel Number

Primary APN	`06-072-138`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	4,587 sqft Living Area
1st Floor Area	2,496 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Type	Hip
Lot Area	20,691 sqft (0.475 acres)
Garage Type	Attached
Garage Area	704 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	511 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	414 FIVE LEAF LN
City	WAXHAW
State	NC
Zip	28173-7047
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R-40 UNION
Legal Description	#154 HOLLISTER MP1 OPCI939
Legal Subdivision	HOLLISTER
Jurisdiction	UNION NC
Township / Civil Division	SANDY RIDGE
Census Block Group	3
Census Block	3024
Census Tract	21020

Owner

414 Five Leaf Ln, a rural home, is owned and occupied by two individuals who bought it in October 2012.

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

Owner of Record	2 Individual Names on File
Mailing Address	414 FIVE LEAF LN, WAXHAW, NC 28173-7047
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 10, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Nov 2, 2021	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Jul 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Apr 9, 2020	Deed of Trust, Mortgage · Line of Credit THIRD FED'L S&L ASSN/CLEVELAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 26, 2012 · Amount on File
Deed Sale	Oct 26, 2012 · Amount on File
Deed Document Number	201234382
Deed Book / Page	5856 / 668
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	414 FIVE LEAF LN, WAXHAW, NC 28173-7047
Transaction Type	Mortgage
Record Updated	Oct 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	414 FIVE LEAF LN, WAXHAW, NC 28173-7047

Mortgage

Document Number	0008587641
Date	Oct 10, 2022
Book Page	8587/641
Instrument	34906

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	479 Months
Due	Sep 28, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	414 FIVE LEAF LN, WAXHAW, NC 28173-7047
Transaction Type	Mortgage
Record Updated	Aug 24, 2022
Title Company	STEWART TITLE GUARANTY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	414 FIVE LEAF LN, WAXHAW, NC 28173-7047

Mortgage

Document Number	0000830288
Date	Nov 2, 2021
Book Page	8302/88
Instrument	52444

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

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	414 FIVE LEAF LN, WAXHAW, NC 28173-7047
Transaction Type	Mortgage
Record Updated	Aug 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008163109
Date	Jul 7, 2021
Book Page	8163/109
Instrument	32107

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

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

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	414 FIVE LEAF LN, WAXHAW, NC 28173-7047
Document Number	7637536
Instrument Date	Apr 9, 2020
Transaction Type	Mortgage
Record Updated	Jun 15, 2020
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	414 FIVE LEAF LN WAXHAW NC 281737047, WAXHAW, NC 28173-7047

Mortgage

Document Number	7637536
Date	Apr 15, 2020
Book Page	007637/000536
Instrument	12557

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 414 Five Leaf Ln was $5,075.

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		$1,092,400 (-) Land $210,000 Building $882,400	$1,092,400 (-) Land $210,000 Building $882,400
2025	$5,075.00	$1,092,400 Land $210,000 Building $882,400	$1,092,400 Land $210,000 Building $882,400
2023	$3,877.00	$619,900 Land $117,600 Building $502,300	$619,900 Land $117,600 Building $502,300

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

Flood

FEMA maps place 414 Five Leaf 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	6 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 414 Five Leaf 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	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 140 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
Ripple Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Five Leaf Ln

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