5111 Laurel Grove Ln, Matthews, NC 28104 Property Records

Union County property record for 5111 Laurel Grove Ln, Matthews, NC 28104

Property Summary

Property Type	Residential Vacant Land
Lot Size	1.61 acres (70,132 sqft)
Owner	2 Individual Names on Record
Last Sale	$185,000 (Jan 2021)
Tax Bill	$1,628 (2025)
Deeds & Mortgages	Feb 2026 Construction Loan Jan 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-069-073`

Property Details

APN / Parcel Number

Primary APN	`06-069-073`

Exterior

Lot Area	70,132 sqft (1.61 acres)

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Street Address	5111 LAUREL GROVE LN
City	MATTHEWS
State	NC
Zip	28104-9249
Property Category	Residential
Property Type	Vacant Land > Residential
Local Zoning Code	R-40 WEDDI
Legal Description	#27 LAKE PROVIDENCE SEC2 PH2 OPCB306B
Legal Subdivision	LAKE PROVIDENCE
Jurisdiction	UNION NC
Township / Civil Division	SANDY RIDGE
Census Block Group	1
Census Block	1000
Census Tract	21021

Owner

Source: Union County records, as of March 31, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	3235 LAKEHURST XING, MATTHEWS, NC 28104-6898
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 23, 2026	Deed of Trust, Mortgage · Construction Mortgage HOMETRUST BANK
Jan 20, 2021	Warranty Deed, Transfer · Conventional Mortgage HOMETRUST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 20, 2021 · Amount on Record
Deed Sale	Jan 20, 2021 · Amount on Record
Deed Document Number	20212659
Deed Book / Page	7959 / 293
Record Updated	Jun 8, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	5111 LAUREL GROVE LN, MATTHEWS, NC 28104-9249
Transaction Type	Mortgage
Record Updated	Mar 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3235 LAKEHURST XING, MATTHEWS, NC 28104-6898

Mortgage

Document Number	0009310401
Date	Feb 23, 2026
Book Page	9310/401
Instrument	4511

Lender

Name	HOMETRUST BANK
Type	Bank
Address	ASHEVILLE, NC 28802

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Mar 1, 2057

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Type Change Date	Mar 1, 2034
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11.5%
Index	SOFR Average 30-Day
Margin	3
Max Rate	11.5%

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Jan 20, 2021
Property Address	LAUREL GROVE LN, MATTHEWS, NC 28104
Document Number	0007959293
Book / Page	7959 / 293
Map Reference	CAB B FILE 306-B
Instrument Date	Jan 19, 2021
Instrument	2659
Transaction Type	Transfer
Record Updated	Dec 12, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$370.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	250 WAUISLEV PLACE, 250, MATTHEWS, NC 28105

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3235 LAKEHURST XING, MATTHEWS, NC 28104-6898

Mortgage

Document Number	0000002660
Date	Jan 20, 2021
Instrument	2660

Lender

Name	HOMETRUST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Feb 1, 2031

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	Feb 1, 2022
Change Frequency	Annually
Min Rate At Change	5%
Index	1-Year CMT
Max Rate	11%

Tax Assessment & Valuation

Source: Union County assessment roll, as of March 31, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Union County
Municipality	Weddington Town
Unified School District	Union County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,628.00 (+28.59%)	$326,000 (+63%) Land $326,000	$326,000 (+63%) Land $326,000
2023	$1,266.00	$200,000 Land $200,000	$200,000 Land $200,000

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 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	3 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 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.01% 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	UNION COUNTY WATER SYSTEM serves 169,685 people · EPA ID NC0190413
Water Source	Surface water
Last State Inspection	May 2026
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Mar 2020 Haloacetic acids resolved · Jul 2017
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 58 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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