415 Castlestone Ln, Matthews, NC 28104 Property Records

Union County property record for 415 Castlestone Ln, Matthews, NC 28104

Property Summary

Property Type	Rural Home
Details	1 bd · 4 ba · 4,024 sqft · built 2002
Lot Size	0.603 acres (26,267 sqft)
Owner	2 Individual Names on File
Last Sale	$373,000 (Dec 2002)
Tax Bill	$4,040 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Jul 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`06-048-040`

Property Details

APN / Parcel Number

Primary APN	`06-048-040`

Interior

Bedrooms	1 Bed
Full Baths	4 Baths
Stories	2 Stories
Building Area	4,024 sqft Living Area
Gross Area	4,783 sqft
1st Floor Area	2,138 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	26,267 sqft (0.603 acres)
Garage Type	Attached
Garage Area	759 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	40 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	415 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	#78 BLACKSTONE PH1 415 CASTLESTONE LN
Legal Subdivision	BLACKSTONE
Legal Lot Number	78
Jurisdiction	UNION NC
Township / Civil Division	SANDY RIDGE
Census Block Group	4
Census Block	4002
Census Tract	21020

Owner

415 Castlestone Ln, a rural home, is owned and occupied by two individuals who bought it in December 2002.

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

Owner of Record	2 Individual Names on File
Mailing Address	415 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
Dec 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage WATERMARK CAPITAL INC
Jul 16, 2018	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	Dec 20, 2002 · Amount on File
Deed Sale	Dec 20, 2002 · Amount on File
Deed Document Number	200250434
Deed Book / Page	2012 / 854
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	415 CASTLESTONE LN, MATTHEWS, NC 28104-7240
Transaction Type	Mortgage
Record Updated	Dec 21, 2021
Title Company	STATES TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008331139
Date	Dec 1, 2021
Book Page	8331/139
Instrument	56774

Lender

Name	WATERMARK CAPITAL INC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2051

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	415 CASTLESTONE LN, MATTHEWS, NC 28104-7240
Document Number	7200424
Instrument Date	Jul 16, 2018
Transaction Type	Mortgage
Record Updated	Aug 9, 2018
Title Company	AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	415 CASTLESTONE LN MATTHEWS NC 281047240, MATTHEWS, NC 28104-7240

Mortgage

Document Number	7200424
Date	Jul 20, 2018
Book Page	007200/000424
Instrument	20190

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	CIEVELAND, 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 415 Castlestone Ln was $4,040.

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		$869,700 (-) Land $146,800 Building $722,900	$869,700 (-) Land $146,800 Building $722,900
2025	$4,040.00	$869,700 Land $146,800 Building $722,900	$869,700 Land $146,800 Building $722,900
2023	$3,330.00	$532,500 Land $109,000 Building $423,500	$532,500 Land $109,000 Building $423,500

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

Flood

FEMA maps place 415 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 415 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

Nearby Properties on Castlestone Ln

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