500 Harrogate Rd, Matthews, NC 28105 Property Records

Mecklenburg County property record for 500 Harrogate Rd, Matthews, NC 28105

Property Summary

Property Type	Single Family Home
Details	6 bd · 5.5 ba · 5,512 sqft · built 1972
Lot Size	2.49 acres (108,464 sqft)
Owner	2 Trust Names on File
Last Sale	$565,000 (Feb 2021)
Tax Bill	$9,063 (2025)
Deeds & Mortgages	Jun 2026 Transfer Sep 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`213-026-23`

Property Details

APN / Parcel Number

Primary APN	`213-026-23`

Interior

Bedrooms	6 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	5,512 sqft Living Area
1st Floor Area	3,168 sqft
Basement Area	860 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 2015
Exterior Material	Concrete
Construction Type	Frame
Foundation Type	Raised
Roof Type	Gable
Roof Material	Other
Lot Area	108,464 sqft (2.49 acres)
Garage Area	864 sqft
Porch	Finished/Screened Porch
Porch Area	312 sqft
Patio Area	95 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Street Address	500 HARROGATE RD
City	MATTHEWS
State	NC
Zip	28105-2640
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-20
Legal Description	L185&186 M14-579
Legal Subdivision	STRATFORDSHIRE
Legal Block	6
Legal Lot Number	185,1
Jurisdiction	MECKLENBURG NC
Township / Civil Division	5, PROVIDENCE
Census Block Group	1
Census Block	1015
Census Tract	5865

Owner

500 Harrogate Rd is owner-occupied and held in a trust since June 2026.

Source: Mecklenburg County records, as of June 17, 2026

Owner of Record	2 Trust Names on File
Mailing Address	500 HARROGATE RD, MATTHEWS, NC 28105-2640
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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
Jun 3, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Sep 11, 2023	Deed of Trust, Mortgage · Commercial Mortgage FIRST CITIZENS BANK & TRUST CO
Aug 1, 2022	Deed of Trust, Mortgage · Commercial Mortgage FIRST CITIZENS BANK & TRUST CO
Feb 12, 2021	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 12, 2021 · Amount on File
Deed Sale	Feb 12, 2021 · Amount on File
Prior Sale	Nov 29, 1971
Deed Document Number	202127944
Deed Book / Page	35667 / 333
Last Transfer Date	Jun 3, 2026
Transfer Doc	0000058972
Record Updated	Oct 29, 2026

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Jun 3, 2026
Property Address	500 HARROGATE RD, MATTHEWS, NC 28105-2640
Document Number	0000058972
Book / Page	40474 / 619
Instrument Date	Jun 3, 2026
Instrument	202658972
Transaction Type	Transfer
Record Updated	Aug 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	500 HARROGATE RD, MATTHEWS, NC 28105-2640

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	500 HARROGATE RD, MATTHEWS, NC 28105-2640
Transaction Type	Mortgage
Record Updated	Sep 21, 2023
Title Company	STEWART TITLE, STEWART TTL GUARANTY NON CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	500 HARROGATE RD, MATTHEWS, NC 28105-2640

Mortgage

Document Number	0000086769
Date	Sep 11, 2023
Book Page	38363/518
Instrument	2023086769

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	26592

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	500 HARROGATE RD, MATTHEWS, NC 28105-2640
Transaction Type	Mortgage
Record Updated	May 25, 2023
Title Company	STEWART TITLE, STEWART TTL GUARANTY NON CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	500 HARROGATE RD, MATTHEWS, NC 28105-2640

Mortgage

Document Number	0000111397
Date	Aug 1, 2022
Book Page	37541/593
Instrument	2022111397

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Feb 12, 2021
Property Address	500 HARROGATE RD, MATTHEWS, NC 28105-2640
Document Number	0000027944
Book / Page	35667 / 333
Map Reference	MB 14 PG 579
Instrument Date	Feb 10, 2021
Instrument	2021027944
Transaction Type	Transfer
Record Updated	May 25, 2023
Title Company	ATLANTIC COASTAL LAND TITLE COMPANY, ATLANTIC COASTAL LAND TTL CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,130.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	606 BIRCH VIEW DR # DRG12, DRG12, MATTHEWS, NC 28105-0013

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	500 HARROGATE RD, MATTHEWS, NC 28105-2640

Mortgage

Document Number	0000027945
Date	Feb 12, 2021
Instrument	2021027945

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 500 Harrogate Rd was $9,063.

Source: Mecklenburg County assessment roll, as of September 9, 2025

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
2025	$9,063.00	$1,166,700 Land $112,300 Building $1,054,400	$1,166,700 Land $112,300 Building $1,054,400

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

Flood

FEMA maps place 500 Harrogate Rd 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	1 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 500 Harrogate Rd is low, with a 0.04% 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	0.04% 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 195 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Windstream DSL	200 / 20

May also be available: AT&T, Google Fiber, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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