4221 Spring St, Matthews, NC 28105 Property Records

Mecklenburg County property record for 4221 Spring St, Matthews, NC 28105

Property Summary

Property Type	Single Family Home
Lot Size	0.53 acres (23,087 sqft)
Owner	2 Individual Names on Record
Last Sale	$900,000 (Jul 2026)
Tax Bill	$719 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage May 2025 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`231-042-10`

Property Details

APN / Parcel Number

Primary APN	`231-042-10`

Exterior

Lot Area	23,087 sqft (0.53 acres)

Location & Zoning

Street Address	4221 SPRING ST
City	MATTHEWS
State	NC
Zip	28105-7200
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	L3 M65-758
Legal Block	2
Legal Lot Number	3
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	3
Census Block	3001
Census Tract	5847

Owner

Source: Mecklenburg County records, as of August 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	4221 SPRING ST, MATTHEWS, NC 28105-7200
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2026	Warranty Deed · Conventional Mortgage WELLS FARGO
May 23, 2025	Warranty Deed, Construction Loan · Line of Credit PARK NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 30, 2026 · Amount on Record
Deed Sale	Jul 30, 2026 · Amount on Record
Deed Document Number	202681533
Deed Book / Page	40610 / 429
Prior Transfer Date	Feb 12, 2025
Prior Transfer Doc	0000045513
Record Updated	Sep 20, 2026

July 2026: Warranty Deed

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Jul 30, 2026
Property Address	4221 SPRING ST, MATTHEWS, NC 28105-7200
Document Number	0000081533
Book / Page	40610 / 429
Instrument Date	Jul 30, 2026
Instrument	202681533
Record Updated	Aug 13, 2026
Title Company	CARDINAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$181,800.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4221 SPRING ST, MATTHEWS, NC 28105-7200

Mortgage

Document Number	0000081534,
Date	Jul 30, 2026
Book Page	40610/431
Instrument	202681534

Lender

Name	WELLS FARGO

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.47%
Initial Type	Fixed Rate
Max Rate	-1%

May 2025: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	May 23, 2025
Property Address	NC
Document Number	0000050591
Book / Page	39604 / 357
Map Reference	MB 52 PG 292
Instrument Date	May 23, 2025
Instrument	2025050591
Transaction Type	Construction Loan
Record Updated	May 22, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5520 HARKEY RD, WAXHAW, NC 28173-8463

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5520 HARKEY RD, WAXHAW, NC 28173-8463
Investor	Possibly a Property Investor

Mortgage

Document Number	0000050592
Date	May 23, 2025
Book Page	39604/359
Instrument	2025050592

Lender

Name	PARK NATIONAL BANK
Type	Bank
Address	CHARLOTTE, NC 28204

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	36 Months
Due	May 23, 2028

Tax Assessment & Valuation

Source: Mecklenburg County assessment roll, as of September 9, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Mecklenburg County
Municipality	Charlotte City
Unified School District	Charlotte-Mecklenburg Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$719.00	$93,800 Land $93,800	$93,800 Land $93,800

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

Flood

Source: FEMA National Flood Hazard Layer, effective October 3, 2024 · 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
Community Rating System	Class 2 (40% premium discount)
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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 63% of the US · above 51% of North Carolina
Wildfire Likelihood	0.04% 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	LAMPLIGHTER SOUTH-DANBY private · serves 3,297 people · EPA ID NC0160156
Water Source	Purchased surface water from LANCASTER COUNTY W&SD
Last State Inspection	Sep 2025
Also Mapped Here	CHARLOTTE WATER
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 156 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Google Fiber, Windstream.

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