427 Smith Cir, Matthews, NC 28104 Property Records

Union County property record for 427 Smith Cir, Matthews, NC 28104 · Last verified April 2026

Property Highlights

Property Type	Residential > Single Family > Rural Home
Bedrooms	3 Beds
Bathrooms	1.5 Baths
Architecture Style	Ranch
Year Built	Built 1971
Square Footage	1,300 sqft Living Area
Lot Size	18,208 sqft (0.418 acres)
Occupancy	Owner Occupied
Tax Bill	$1,927.00 (2025)

Owner

Source: Union County records · APN 07-126-152

Assessment roll updated March 31, 2026 · Last verified April 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 File
Mailing Address	427 SMITH CIR, MATTHEWS, NC 28104-4990
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Mar 18, 2004
Transfer Doc	3382529
Record Refreshed	Jun 08, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	427 SMITH CIR, MATTHEWS, NC 28104-4990
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7456823
Date	Sep 04, 2019
Book Page	7456/823
Instrument	0026508

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 24, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly (Revolving credit lines are monthly unless stated otherwise).

Tax Assessment & Valuation

Source: Union County records · Assessment roll updated March 31, 2026 · Last verified April 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Union County
Municipality	Stallings Town
Unified School District	Union County Public Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,927.00 (+16.22%)	$278,000 (+43.52%) Land $65,200 Building $212,800	$278,000 (+43.52%) Land $65,200 Building $212,800
2023	$1,658.00	$193,700 Land $37,700 Building $156,000	$193,700 Land $37,700 Building $156,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Union County (37179C), updated September 14, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Low above 5% of the US · above 3% of North Carolina
Wildfire Likelihood	About 1 in 5,882 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Property Details

APN / Parcel Number

Primary APN	`07-126-152`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Partial Baths	1 Partial Baths
Total Rooms	6 Rooms
Building Area	1,300 sqft Living Area
1st Floor	1,300 sqft 1st Floor
Stories	1 Stories

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Ranch Style
Exterior Material	Brick Exterior
Construction Type	Wood Construction
Foundation Type	No Foundation Foundation
Roof Material	Composition Shingle Roof
Lot Area	18,208 sqft (0.418 acres)

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Forced Air with Air Conditioning Heating
Sewage	Municipal Sewage
Water Source	Commercial Water Source

Location & Zoning

Street Address	427 SMITH CIR
City	MATTHEWS
State	NC
Zip	28104-4990
Property Usage	Residential Property Usage
Type	Residential > Single Family > Rural Home
Legal Description	#73 STALLINGS PARK
Legal Subdivision	STALLINGS PARK
Jurisdiction	UNION NC
Minor Civil Division	VANCE
Census Blockgroup	1
Census Block	1063
Census Tract	20312