525 Harrogate Rd, Matthews, NC 28105 Property Records

Mecklenburg County property record for 525 Harrogate Rd, Matthews, NC 28105

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 4,212 sqft · built 1978
Lot Size	0.91 acres (39,648 sqft)
Owner	2 Individual Names on File
Last Sale	$399,000 (May 2013)
Tax Bill	$7,315 (2023)
Deeds & Mortgages	Jun 2022 Line of Credit Jun 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`213-026-15`

Property Details

APN / Parcel Number

Primary APN	`213-026-15`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	3 Stories
Building Area	4,212 sqft Heated Area
Gross Area	4,652 sqft
1st Floor Area	1,750 sqft
Upper Floors Area	1,954 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Architectural Style	Other
Exterior Material	Other
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	39,648 sqft (0.91 acres)
Garage Area	528 sqft

Exterior Amenities

Porch	Porch
Porch Area	420 sqft
Deck Area	56 sqft
Patio Area	344 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	213-026-15
Street Address	525 HARROGATE RD
City	MATTHEWS
State	NC
Zip	28105-5613
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-20
Legal Description	L176 M14-579
Legal Subdivision	STRATFORDSHIRE
Legal Lot Number	176
Jurisdiction	MECKLENBURG NC
Township / Civil Division	5, PROVIDENCE
Census Block Group	1
Census Block	1015
Census Tract	5865

Owner

525 Harrogate Rd is owned and occupied by two individuals who bought it in May 2013.

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

Owner of Record	2 Individual Names on File
Mailing Address	525 HARROGATE RD, MATTHEWS, NC 28105-5613
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
Jun 13, 2022	Deed of Trust, Mortgage · Line of Credit TRULIANT FCU
Jun 12, 2018	Deed of Trust, Mortgage · Line of Credit TRULIANT FCU
Sep 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage WYNDHAM CAPITAL MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 31, 2013 · Amount on File
Deed Sale	May 31, 2013 · Amount on File
Deed Document Number	0028386429
Deed Book / Page	28386 / 429
Record Updated	Jun 7, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	525 HARROGATE RD, MATTHEWS, NC 28105-5613
Transaction Type	Mortgage
Record Updated	May 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000088303
Date	Jun 13, 2022
Book Page	37418/181
Instrument	2022088303

Lender

Name	TRULIANT FCU
Type	Credit Union
Address	WINSTON SALEM, NC 27103

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 6, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	525 HARROGATE RD, MATTHEWS, NC 28105-5613
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000072692
Date	Jun 12, 2018
Book Page	32750/001
Instrument	2018072692

Lender

Name	TRULIANT FCU
Type	Credit Union
Address	WINSTON SALEM, NC 27103

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 8, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	525 HARROGATE RD, MATTHEWS, NC 28105-5613
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000151250
Date	Sep 18, 2020
Book Page	35069/59
Instrument	2020151250

Lender

Name	WYNDHAM CAPITAL MORTGAGE INC
Type	Mortgage Company
Address	CHARLOTTE, NC 28211

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

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 525 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 525 Harrogate Rd is low, with a 0.05% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 63% of the US · above 51% of North Carolina
Wildfire Likelihood	0.05% 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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