512 Fredricksburg Rd, Matthews, NC 28105 Property Records

Mecklenburg County property record for 512 Fredricksburg Rd, Matthews, NC 28105

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,138 sqft · built 1991
Lot Size	0.55 acres (23,971 sqft)
Owner	Individual Name on File
Last Sale	$625,000 (Oct 2022)
Tax Bill	$4,813 (2023)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Jan 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`227-431-40`

Property Details

APN / Parcel Number

Primary APN	`227-431-40`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	3,138 sqft Heated Area
Gross Area	3,851 sqft
1st Floor Area	1,371 sqft
Upper Floors Area	1,085 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Architectural Style	Other
Exterior Material	Brick Veneer
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	23,971 sqft (0.55 acres)
Garage Area	658 sqft

Exterior Amenities

Porch	Porch
Porch Area	24 sqft
Deck Area	120 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	227-431-40
Street Address	512 FREDRICKSBURG RD
City	MATTHEWS
State	NC
Zip	28105-2651
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-15
Legal Description	L20 P19 B11 M22-901
Legal Subdivision	SARDIS PLANTATION PH V
Legal Block	11
Legal Lot Number	20
Jurisdiction	MECKLENBURG NC
Township / Civil Division	5, PROVIDENCE
Census Block Group	2
Census Block	2001
Census Tract	5833

Owner

512 Fredricksburg Rd is owned and occupied by an individual who bought it in October 2022.

Source: Mecklenburg County records, as of May 24, 2023

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	512 FREDRICKSBURG RD, MATTHEWS, NC 28105-2651
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2022	Warranty Deed, Transfer · Conventional Mortgage TOWNEBANK MORTGAGE
Jan 16, 2018	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Sep 18, 2017	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 27, 2022 · Amount on File
Deed Sale	Oct 27, 2022 · Amount on File
Deed Document Number	0037737327
Deed Book / Page	37737 / 327
Record Updated	Jun 7, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Oct 27, 2022
Property Address	512 FREDRICKSBURG RD, MATTHEWS, NC 28105-2651
Document Number	0000147550
Book / Page	37737 / 327
Map Reference	MB 22 PG 901
Instrument Date	Oct 26, 2022
Instrument	2022147550
Transaction Type	Transfer
Record Updated	May 25, 2023
Title Company	CARDINAL TITLE CENTER LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,250.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2501 MANOR STONE WAY, INDIAN TRAIL, NC 28079-8898

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	512 FREDRICKSBURG RD, MATTHEWS, NC 28105-2651

Mortgage

Document Number	0000147551
Date	Oct 27, 2022
Instrument	2022147551

Lender

Name	TOWNEBANK MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	6%
Type Change Date	Nov 1, 2029
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	11%
Index	Other
Margin	3
Max Rate	11%

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	512 FREDRICKSBURG RD, MATTHEWS, NC 28105-2651
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005040
Date	Jan 16, 2018
Book Page	32404/981
Instrument	2018005040

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	MATTHEWS, NC 28106

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	512 FREDRICKSBURG RD, MATTHEWS, NC 28105-2651
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000126015
Date	Sep 18, 2017
Book Page	32126/201
Instrument	2017126015

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2032

Tax Assessment & Valuation

Source: Mecklenburg County assessment roll, as of January 1, 2023

Property Jurisdictions

Type	Name
State	North Carolina
County	Mecklenburg County
Municipality	Matthews Town
Unified School District	Charlotte-Mecklenburg Schools (PK - 12)

Flood

FEMA maps place 512 Fredricksburg Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2020.

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	7 in force
Nearby Flood Claims	3 (2020–2024)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Jan 2024 · 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

Wildfire risk around 512 Fredricksburg Rd 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.

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 265 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Google Fiber Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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