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424 Gilchrest Cir, Matthews, NC 28105 Property Records

Mecklenburg County property record for 424 Gilchrest Cir, Matthews, NC 28105

Property Summary

Property TypeSingle Family Home
Details5 bd · 3 ba · 2,679 sqft · built 1997
Lot Size0.259 acres (11,306 sqft)
OwnerIndividual Name on File
Last Sale$298,000 (Aug 2015)
Tax Bill$4,402 (2023)
Deeds & MortgagesMar 2026 Mortgage
Sep 2023 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN227-218-63

Property Details

APN / Parcel Number

Primary APN227-218-63

Interior

Bedrooms5 Beds
Full Baths3 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,679 sqft Heated Area
Gross Area3,237 sqft
1st Floor Area1,224 sqft
Upper Floors Area1,509 sqft
FlooringConcrete/Cement
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1997
Architectural StyleOther
Exterior MaterialAluminum/Vinyl
Foundation TypeSlab (Mat/Raft)
Roof MaterialAsphalt
Lot Area11,306 sqft (0.259 acres)
Garage Area486 sqft
PorchPorch
Porch Area18 sqft
Deck Area120 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air
Heating FuelGas

Location & Zoning

Old Parcel Number227-218-63
Street Address424 GILCHREST CIR
CityMATTHEWS
StateNC
Zip28105-0338
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-15
Legal DescriptionL22 M27-923
Legal SubdivisionMATTHEWS ESTATES MAP 06
Legal Lot Number22
JurisdictionMECKLENBURG NC
Township / Civil Division13, MORNING STAR
Census Block Group1
Census Block1019
Census Tract5834

Owner

Source: Mecklenburg County assessment roll, APN 227-218-63, as of January 1, 2023 · Last verified June 2023

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

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address424 GILCHREST CIR, MATTHEWS, NC 28105-0338
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 12, 2026Deed of Trust, Mortgage · Conventional Mortgage
ROCKET MORTGAGE LLC
Sep 01, 2023Deed of Trust, Mortgage · Conventional Mortgage
ROCKET MORTGAGE LLC
Apr 19, 2022Deed of Trust, Mortgage · Line of Credit
FIRST CITIZENS BANK & TRUST CO

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleAug 13, 2015 · Amount on Record
Deed SaleAug 13, 2015 · Amount on Record
Prior SaleMay 30, 2008 · Amount on Record
Deed Document Number0030200727
Deed Book / Page30200 / 727
Record UpdatedJun 07, 2026

March 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMECKLENBURG NC
Property Address424 GILCHREST CIR, MATTHEWS, NC 28105-0338
Transaction TypeMortgage
Record UpdatedMar 23, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address424 GILCHREST CIR, MATTHEWS, NC 28105-0338

Mortgage

Document Number0000025012
DateMar 12, 2026
Book Page40263/514
Instrument2026025012
Lender
NameROCKET MORTGAGE LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueApr 01, 2056

September 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMECKLENBURG NC
Property Address424 GILCHREST CIR, MATTHEWS, NC 28105-0338
Transaction TypeMortgage
Record UpdatedSep 15, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address6418 WHEELER DR, CHARLOTTE, NC 28211-4755

Mortgage

Document Number0000084575
DateSep 01, 2023
Book Page38351/527
Instrument2023084575
Lender
NameROCKET MORTGAGE LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueSep 01, 2053

April 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMECKLENBURG NC
Property Address424 GILCHREST CIR, MATTHEWS, NC 28105-0338
Transaction TypeMortgage
Record UpdatedMay 25, 2023
Title CompanySTEWART TITLE, STEWART TTL GUARANTY NON CA

Transferred To (Grantee/Buyer)

NameVerified Name
Address424 GILCHREST CIR, MATTHEWS, NC 28105-0338

Mortgage

Document Number0000060233
DateApr 19, 2022
Book Page37264/202
Instrument2022060233
Lender
NameFIRST CITIZENS BANK & TRUST CO
TypeBank
AddressRALEIGH, NC 27611
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

Tax Assessment & Valuation

Source: Mecklenburg County records · Assessment roll updated January 1, 2023 · Last verified June 2023

Property Jurisdictions

TypeName
StateNorth Carolina
CountyMecklenburg County
MunicipalityMatthews Town
Unified School DistrictCharlotte-Mecklenburg Schools (PK - 12)

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Mecklenburg County (37119C), as of October 3, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 371190058341, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies3 in force

Wildfire

Wildfire RiskLow
lower than 99.1% of the US · lower than 99.5% of North Carolina
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, 310 locations within half a mile, as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Google Fiber
Fiber		8,000 / 8,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
Uniti Group
DSL · Fiber in parts of the area		300 / 20
T-Mobile USA
Fixed Wireless		100 / 20

May also be available: AT&T.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system NC0160010, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemCHARLOTTE WATER
serves 1,206,285 people
Water SourceSurface water
Last State InspectionJul 2025
LeadUnder 1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

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