4321 Spring St, Matthews, NC 28105 Property Records

Mecklenburg County property record for 4321 Spring St, Matthews, NC 28105

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,449 sqft · built 2020
Lot Size	0.137 acres (6,001 sqft)
Owner	Individual Name on Record
Last Sale	$473,000 (Apr 2021)
Tax Bill	$5,727 (2023)
Deeds & Mortgages	Apr 2021 Sale & Mortgage Dec 2019 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`231-043-10`

Property Details

APN / Parcel Number

Primary APN	`231-043-10`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,449 sqft Heated Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Lot Area	6,001 sqft (0.137 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	231-043-10
Street Address	4321 SPRING ST
City	MATTHEWS
State	NC
Zip	28105-7151
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L2 M62-604
Legal Subdivision	OLD BELLE MEADE SUB
Legal Lot Number	2
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 July 10, 2023

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	4321 SPRING ST, SHELBY, NC 28150
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 26, 2021	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage FLAGSTAR BANK FSB
Dec 17, 2019	Intrafamily Transfer, Transfer · Stand-Alone Second Mortgage COMMUNITY FIRST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 26, 2021 · Amount on Record
Deed Sale	Apr 26, 2021 · Amount on Record
Prior Sale	Dec 17, 2019
Deed Document Number	0035983915
Deed Book / Page	35983 / 915
Record Updated	Jun 7, 2026

April 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Apr 26, 2021
Property Address	4321 SPRING ST, MATTHEWS, NC 28105-7151
Document Number	0000081710
Book / Page	35983 / 915
Map Reference	MB 64 PG 771
Instrument Date	Apr 26, 2021
Instrument	2021081710
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 11, 2023
Title Company	FOREHAND TITLE COMPANY, MOREHEAD TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$946.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3221 BRIDGEMERE TER, MATTHEWS, NC 28105-8835

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4321 SPRING ST, MATTHEWS, NC 28105-7151

Mortgage

Document Number	0000081711
Date	Apr 26, 2021
Instrument	2021081711

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

December 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MECKLENBURG NC
Recording Date	Dec 17, 2019
Property Address	4321 SPRING ST, MATTHEWS, NC 28105-7151
Document Number	0000172446
Book / Page	34132 / 335
Map Reference	MB 62 PG 604
Instrument Date	Dec 16, 2019
Instrument	2019172446
Transaction Type	Transfer
Record Updated	Aug 23, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7018 EDENBRIDGE LN, CHARLOTTE, NC 28226-3119

Mortgage

Document Number	0000172447
Date	Dec 17, 2019
Instrument	2019172447

Lender

Name	COMMUNITY FIRST BANK
Type	Bank

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

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
2023	$5,727.00	$593,500 Land $125,000 Building $468,500	$593,500 Land $125,000 Building $468,500

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

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 66% of the US · above 46% of North Carolina
Wildfire Likelihood	0.03% 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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