Union County property record for 4855 Stevens Mill Rd, Matthews, NC 28104
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2 ba · 1,656 sqft · built 1997 |
| Lot Size | 0.56 acres (24,394 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $270,000 (Dec 2020) |
| Tax Bill | $2,422 (2025) |
| Deeds & Mortgages | Mar 2018 Mortgage Dec 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-078-088 |
| Primary APN | 07-078-088 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,656 sqft Living Area |
| Gross Area | 2,148 sqft |
| 1st Floor Area | 1,656 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Foundation Type | Raised |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 24,394 sqft (0.56 acres) |
| Garage Type | Attached |
| Garage Area | 492 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 200 sqft |
| Deck Area | 200 sqft |
| Patio Area | 200 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 4855 STEVENS MILL RD |
|---|---|
| City | MATTHEWS |
| State | NC |
| Zip | 28104-4343 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | R-20 STALL |
| Legal Description | #2 MILL STONE ESTATES OPCE-016 |
| Legal Subdivision | MILL STONE ESTATES |
| Legal Lot Number | 2 |
| Jurisdiction | UNION NC |
| Township / Civil Division | VANCE |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 20319 |
4855 Stevens Mill Rd, a rural home, is owned and occupied by two individuals who bought it in December 2020.
Source: Union County records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4855 STEVENS MILL RD, MATTHEWS, NC 28104-4343 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 26, 2018 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN SECURITY MORTGAGE CORP |
| Dec 1, 2020 | Warranty Deed, Transfer · Conventional Mortgage TRUIST BANK |
| Oct 28, 2021 | Correction Deed · Conventional Mortgage TRUIST BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 1, 2020 · Amount on File |
| Deed Sale | Dec 1, 2020 · Amount on File |
| Prior Sale | Sep 5, 2014 · Amount on File |
| Deed Document Number | 202049820 |
| Deed Book / Page | 7905 / 291 |
| Prior Transfer Date | Nov 30, 2020 |
| Prior Transfer Doc | 0008294790 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 4855 STEVENS MILL RD, MATTHEWS, NC 28104-4343 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0007124353 |
|---|---|
| Date | Mar 26, 2018 |
| Book Page | 7124/353 |
| Instrument | 0007594 |
| Name | AMERICAN SECURITY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28211 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Dec 1, 2020 |
| Property Address | 4855 STEVENS MILL RD, MATTHEWS, NC 28104-4343 |
| Document Number | 0007905291 |
| Book / Page | 7905 / 291 |
| Map Reference | CAB R FILE 16 |
| Instrument Date | Nov 30, 2020 |
| Instrument | 49820 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $540.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2233 RUFUS RATCHFORD RD, 2233, GASTONIA, NC 28056-8178 |
| Name | Verified Name |
|---|---|
| Address | 4855 STEVENS MILL RD, MATTHEWS, NC 28104-4343 |
| Document Number | 0000049821 |
|---|---|
| Date | Dec 1, 2020 |
| Instrument | 49821 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2050 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Oct 28, 2021 |
| Property Address | 4855 STEVENS MILL RD, MATTHEWS, NC 28104-4343 |
| Document Number | 0008294790 |
| Book / Page | 8294 / 790 |
| Map Reference | CAB R FILE 16 |
| Instrument Date | Nov 30, 2020 |
| Instrument | 51426 |
| Record Updated | Aug 24, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Name | Verified Name |
|---|---|
| Address | 2233 RUFUS RATCHFORD RD, 2233, GASTONIA, NC 28056-8178 |
| Name | Verified Name |
|---|---|
| Address | 4855 STEVENS MILL RD, MATTHEWS, NC 28104-4343 |
| Document Number | 0008294793 |
|---|---|
| Date | Oct 28, 2021 |
| Book Page | 8294/793 |
| Instrument | 51427 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | RICHMOND, VA 23224 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 350 Months |
| Due | Dec 1, 2050 |
The 2025 property tax bill for 4855 Stevens Mill Rd was $2,422.
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 | $351,900 (-) Land $80,600 Building $271,300 | $351,900 (-) Land $80,600 Building $271,300 | |
| 2025 | $2,422.00 | $351,900 Land $80,600 Building $271,300 | $351,900 Land $80,600 Building $271,300 |
| 2023 | $2,187.00 | $258,000 Land $52,800 Building $205,200 | $258,000 Land $52,800 Building $205,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4855 Stevens Mill Rd in Zone X, an area of minimal flood risk.
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 | 4 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 risk around 4855 Stevens Mill Rd 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 98% of the US · lower than 99% 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.
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 440 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 · Fiber in parts of the area | 200 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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