Union County property record for 4640 Shannamara Dr, Matthews, NC 28104
| Property Type | Rural Home |
|---|---|
| Details | 5 bd · 3.5 ba · 3,390 sqft · built 1995 |
| Lot Size | 0.344 acres (14,985 sqft) |
| Owner | Individual Name on File |
| Last Sale | $385,000 (Oct 2017) |
| Tax Bill | $4,140 (2025) |
| Deeds & Mortgages | May 2020 Mortgage Oct 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-054-564 |
| Primary APN | 07-054-564 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 3,390 sqft Living Area |
| Gross Area | 3,678 sqft |
| 1st Floor Area | 957 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Colonial |
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 14,985 sqft (0.344 acres) |
| View / Lot | Waterfront / Beach |
| Garage Type | Attached |
| Garage Area | 546 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 221 sqft |
| Deck Area | 298 sqft |
| Patio Area | 298 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 4640 SHANNAMARA DR |
|---|---|
| City | MATTHEWS |
| State | NC |
| Zip | 28104-2976 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | R-15 STALL |
| Legal Description | #123 SHANNAMARA VILLAGE OF WICKLOW PHI OPCE03- 04 |
| Legal Subdivision | SHANNAMARA - WICKLOW |
| Legal Lot Number | 123 |
| Jurisdiction | UNION NC |
| Township / Civil Division | VANCE |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 20310 |
4640 Shannamara Dr, a rural home, is owned and occupied by an individual who bought it in October 2017.
Source: Union County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4640 SHANNAMARA DR, MATTHEWS, NC 28104-2976 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| May 6, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB |
| Oct 26, 2017 | Warranty Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 26, 2017 · Amount on File |
| Deed Sale | Oct 26, 2017 · Amount on File |
| Prior Sale | May 7, 1998 · Amount on File |
| Deed Document Number | 201731517 |
| Deed Book / Page | 7041 / 323 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 4640 SHANNAMARA DR, MATTHEWS, NC 28104-2976 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 7659893 |
|---|---|
| Date | May 6, 2020 |
| Book Page | 7659/893 |
| Instrument | 15428 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jun 1, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Oct 26, 2017 |
| Property Address | 4640 SHANNAMARA DR, MATTHEWS, NC 28104-2976 |
| Document Number | 0007041323 |
| Book / Page | 7041 / 323 |
| Map Reference | CAB E FILE 04 |
| Instrument Date | Oct 24, 2017 |
| Instrument | 0031517 |
| Transaction Type | Transfer |
| Record Updated | Dec 14, 2021 |
| Title Company | BARRISTERS TITLE SERVICES OF |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $770.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 490 RIVER BLUFF DR UNIT 2, 490, SHALLOTTE, NC 28470-5280 |
| Name | Verified Name |
|---|---|
| Address | 4640 SHANNAMARA DR, MATTHEWS, NC 28104-2976 |
| Document Number | 0000031518 |
|---|---|
| Date | Oct 26, 2017 |
| Instrument | 0031518 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2047 |
The 2025 property tax bill for 4640 Shannamara Dr was $4,140.
Source: Union County assessment roll, as of March 31, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Union County |
| Municipality | Stallings Town |
| Unified School District | Union County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $611,700 (-) Land $116,600 Building $495,100 | $611,700 (-) Land $116,600 Building $495,100 | |
| 2025 | $4,140.00 | $611,700 Land $116,600 Building $495,100 | $611,700 Land $116,600 Building $495,100 |
| 2023 | $3,717.00 | $446,200 Land $87,900 Building $358,300 | $446,200 Land $87,900 Building $358,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4640 Shannamara Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2005.
Source: FEMA National Flood Hazard Layer, effective September 14, 2026 · 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 | 1 in force |
| Nearby Flood Claims | 3 (2005–2015) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Aug 2015 · rainfall accumulation |
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 risk around 4640 Shannamara Dr is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 76% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | REEDY CREEK MHP private · serves 64 people · EPA ID NC0160168 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2024 |
| Also Mapped Here | UNION COUNTY WATER SYSTEM |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| Monitoring and Reporting | 15 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.
Source: FCC Broadband Data Collection, based on 136 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Ripple Fiber Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Windstream DSL | 200 / 20 |
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