428 Gilchrest Cir, Matthews, NC 28105 Property Records

Mecklenburg County property record for 428 Gilchrest Cir, Matthews, NC 28105

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,154 sqft · built 1997
Lot Size	0.326 acres (14,205 sqft)
Owner	Individual Name on File
Last Sale	$655,000 (Sep 2023)
Tax Bill	$4,830 (2023)
Deeds & Mortgages	Sep 2023 Sale Mar 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`227-218-62`

Property Details

APN / Parcel Number

Primary APN	`227-218-62`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,154 sqft Heated Area
Gross Area	3,663 sqft
1st Floor Area	1,538 sqft
Upper Floors Area	1,616 sqft
Flooring	Concrete/Cement
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Material	Asphalt
Lot Area	14,205 sqft (0.326 acres)
Garage Area	449 sqft
Porch	Porch
Porch Area	60 sqft
Deck Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	227-218-62
Street Address	428 GILCHREST CIR
City	MATTHEWS
State	NC
Zip	28105-0338
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-15
Legal Description	L23 M27-923
Legal Subdivision	MATTHEWS ESTATES MAP 06
Legal Lot Number	23
Jurisdiction	MECKLENBURG NC
Township / Civil Division	13, MORNING STAR
Census Block Group	1
Census Block	1019
Census Tract	5834

Owner

428 Gilchrest Cir is owned by an individual who bought it in September 2023.

Source: Mecklenburg County records, as of September 14, 2023

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	424 GILCHREST CIR, MATTHEWS, NC 28105-0338
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
Sep 1, 2023	Warranty Deed, Transfer CASTLE TITLE AGENCY LLC, MASTER TITLE AGENCY LLC
Mar 14, 2022	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 1, 2023 · Amount on File
Deed Sale	Sep 1, 2023 · Amount on File
Prior Sale	Dec 31, 1997 · Amount on File
Deed Document Number	2023084574
Deed Book / Page	38351 / 525
Record Updated	Jun 7, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Sep 1, 2023
Property Address	428 GILCHREST CIR, MATTHEWS, NC 28105-0338
Document Number	0000084574
Book / Page	38351 / 525
Map Reference	MB 27 PG 923
Instrument Date	Sep 1, 2023
Instrument	2023084574
Transaction Type	Transfer
Record Updated	Sep 15, 2023
Title Company	CASTLE TITLE AGENCY LLC, MASTER TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Tax	$1,310.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	408 BRAEMAR DR, WEDDINGTON, NC 28104

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	424 GILCHREST CIR, MATTHEWS, NC 28105-0338

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	428 GILCHREST CIR, MATTHEWS, NC 28105-0338
Transaction Type	Mortgage
Record Updated	May 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000039260
Date	Mar 14, 2022
Book Page	37148/224
Instrument	2022039260

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	MATTHEWS, NC 28106

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Mecklenburg County assessment roll, as of January 1, 2023

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$4,830.00	$529,700 Land $105,000 Building $424,700	$529,700 Land $105,000 Building $424,700

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

Flood

FEMA maps place 428 Gilchrest Cir in Zone X, an area of minimal flood risk.

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
Nearby Flood Policies	3 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 428 Gilchrest Cir is low, with less than 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 99.1% of the US · lower than 99.5% of North Carolina
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	CHARLOTTE WATER serves 1,206,285 people · EPA ID NC0160010
Water Source	Surface water
Last State Inspection	Jul 2025
Lead	Under 1 ppb (2023–2025) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 310 locations within half a mile, as of December 31, 2025

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

May also be available: AT&T.

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