7009 Willow Trace Ln, Matthews, NC 28104 Property Records

Union County property record for 7009 Willow Trace Ln, Matthews, NC 28104

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 4,903 sqft · built 2004
Lot Size	1.79 acres (78,321 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,975,000 (Dec 2025)
Tax Bill	$9,004 (2025)
Deeds & Mortgages	May 2021 Mortgage Dec 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-174-115`

Property Details

APN / Parcel Number

Primary APN	`06-174-115`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	4,903 sqft Living Area
Gross Area	5,743 sqft
1st Floor Area	2,985 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Contemporary
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	78,321 sqft (1.79 acres)
Garage Type	Attached
Garage Area	840 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	58 sqft
Deck Area	289 sqft
Patio Area	289 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	7009 WILLOW TRACE LN
City	MATTHEWS
State	NC
Zip	28104-6804
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-40 WEDDI
Legal Description	#68 HIGHGATE PH1A/MP6
Legal Subdivision	HIGHGATE
Legal Lot Number	68
Jurisdiction	UNION NC
Township / Civil Division	SANDY RIDGE
Census Block Group	1
Census Block	1000
Census Tract	21006

Owner

Source: Union County records, as of October 20, 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	7009 WILLOW TRACE LN, MATTHEWS, NC 28104-6804
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage STIFEL BANK & TRUST
Dec 23, 2025	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Sep 10, 2025	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 23, 2025 · Amount on Record
Deed Sale	Dec 23, 2025 · Amount on Record
Prior Sale	Nov 12, 2013 · Amount on Record
Deed Document Number	202534234
Deed Book / Page	9274 / 2
Prior Transfer Date	Sep 4, 2025
Prior Transfer Doc	0009196195
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	7009 WILLOW TRACE LN, MATTHEWS, NC 28104-6804
Transaction Type	Mortgage
Record Updated	Jan 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008115448
Date	May 26, 2021
Book Page	8115/448
Instrument	25093

Lender

Name	STIFEL BANK & TRUST
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Dec 23, 2025
Property Address	7009 WILLOW TRACE LN, MATTHEWS, NC 28104-6804
Document Number	0000092742
Book / Page	9274 / 2
Map Reference	CAB G FILE 498
Instrument Date	Dec 13, 2025
Instrument	34234
Transaction Type	Transfer
Record Updated	Jan 9, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,950.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5713 MOHICAN PL, BETHESDA, MD 20816-1056

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7009 WILLOW TRACE LN, MATTHEWS, NC 28104-6804

Mortgage

Document Number	0000034235
Date	Dec 23, 2025
Instrument	34235

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	Jan 1, 2033
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	7%
Index	SOFR Average 30-Day
Max Rate	10.5%

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	UNION NC
Recording Date	Sep 10, 2025
Property Address	7009 WILLOW TRACE LN, MATTHEWS, NC 28104-6804
Document Number	0009196195
Book / Page	9196 / 195
Map Reference	CAB G FILE 498
Instrument Date	Sep 4, 2025
Instrument	23336
Transaction Type	Transfer
Record Updated	Oct 3, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7009 WILLOW TRACE LN, MATTHEWS, NC 28104-6804

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	7009 WILLOW TRACE LN, MATTHEWS, NC 28104-6804

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
2026		$1,802,400 (-) Land $346,900 Building $1,455,500	$1,802,400 (-) Land $346,900 Building $1,455,500
2025	$9,004.00 (+10.34%)	$1,802,400 (+49.01%) Land $346,900 Building $1,455,500	$1,802,400 (+49.01%) Land $346,900 Building $1,455,500
2024	$8,160.00 (+6.58%)	$1,209,600 (-) Land $286,000 Building $923,600
2023	$7,656.00	$1,209,600 Land $286,000 Building $923,600	$1,209,600 (-) Land $286,000 Building $923,600
2021			$1,209,600 Land $286,000 Building $923,600

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	4 in force
Nearby Flood Claims	1 (2020)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2020 · 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

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

Wildfire Risk	Low lower than 65% of the US · above 48% of North Carolina
Wildfire Likelihood	0.03% 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 109 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Google Fiber Fiber	8,000 / 8,000
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
Windstream DSL	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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