4322 Spring St, Matthews, NC 28105 Property Records

Mecklenburg County property record for 4322 Spring St, Matthews, NC 28105

Property Summary

Property Type	Single Family Home
Details	6 bd · 5 ba · 5,438 sqft · built 2021
Lot Size	0.458 acres (19,991 sqft)
Owner	Individual Name on Record
Last Sale	$72,500 (Mar 2017)
Tax Bill	$9,697 (2023)
Deeds & Mortgages	Jan 2022 Mortgage Jan 2021 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`231-041-72`

Property Details

APN / Parcel Number

Primary APN	`231-041-72`

Interior

Bedrooms	6 Beds
Full Baths	5 Baths
Stories	2 Stories
Building Area	5,438 sqft Heated Area

Exterior

Year Built	Built 2021
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Lot Area	19,991 sqft (0.458 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	231-041-72
Street Address	4322 SPRING ST
City	MATTHEWS
State	NC
Zip	28105-7151
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	L22 M59-701
Legal Subdivision	4408 TILLEY MORRIS SUB
Legal Lot Number	22
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	3
Census Block	3007
Census Tract	5847

Owner

Source: Mecklenburg County records, as of May 24, 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	4322 SPRING ST, MATTHEWS, NC 28105-7151
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 6, 2022	Deed of Trust, Mortgage · Conventional Mortgage INTERCOASTAL MORTGAGE
Jan 25, 2021	Deed of Trust, Construction Loan · Construction Mortgage INTERCOASTAL MTG
Mar 24, 2017	Warranty Deed, Transfer · Commercial Mortgage FIRST CITIZENS BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 24, 2017 · Amount on Record
Deed Sale	Mar 24, 2017 · Amount on Record
Deed Document Number	0031662804
Deed Book / Page	31662 / 804
Record Updated	Jun 7, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	4322 SPRING ST, MATTHEWS, NC 28105-7151
Transaction Type	Mortgage
Record Updated	May 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002704
Date	Jan 6, 2022
Book Page	36943/827
Instrument	2022002704

Lender

Name	INTERCOASTAL MORTGAGE
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

January 2021: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Recording Date	Jan 25, 2021
Property Address	4322 SPRING ST, MATTHEWS, NC 28105-7151
Document Number	0000014299
Book / Page	035588 / 000364
Instrument Date	Jan 25, 2021
Instrument	14299
Transaction Type	Construction Loan
Record Updated	Feb 23, 2021
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5822 CACTUS VALLEY RD CHARLOTTE NC 282773666, CHARLOTTE, NC 28277-3666

Mortgage

Document Number	0000014299
Date	Jan 25, 2021
Book Page	035588/000364
Instrument	14299

Lender

Name	INTERCOASTAL MTG
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jan 24, 2022

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Mar 24, 2017
Property Address	4322 SPRING ST, MATTHEWS, NC 28105-7151
Document Number	0000037881
Book / Page	31662 / 804
Map Reference	MB59 PG701
Instrument Date	Mar 22, 2017
Instrument	2017037881
Transaction Type	Transfer
Record Updated	Jul 12, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$145.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	30 FOXWOOD DR, 30, WAXHAW, NC 28173

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2267 DENWOOD ST, KANNAPOLIS, NC 28083-6458

Mortgage

Document Number	0000037882
Date	Mar 24, 2017
Instrument	2017037882

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

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)

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	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 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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