7022 Willow Trace Ln, Matthews, NC 28104 Property Records

Union County property record for 7022 Willow Trace Ln, Matthews, NC 28104

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 5,707 sqft · built 2002
Lot Size	1.02 acres (44,736 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,400,000 (Jan 2021)
Tax Bill	$10,272 (2025)
Deeds & Mortgages	Jan 2021 Sale & Mortgage May 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`06-174-124`

Property Details

APN / Parcel Number

Primary APN	`06-174-124`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	5,707 sqft Living Area
Gross Area	6,659 sqft
1st Floor Area	3,361 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	44,736 sqft (1.02 acres)
Garage Type	Detached
Garage Area	1,904 sqft
Parking Spaces	8 Parking Spaces
Porch	Slab
Porch Area	536 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	7022 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	#58 HIGHGATE PH1A MP7 OPCG499
Legal Subdivision	HIGHGATE
Legal Lot Number	58
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	7022 WILLOW TRACE LN, MATTHEWS, NC 28104-6804
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 11, 2021	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
May 23, 2017	Deed of Trust, Mortgage · Line of Credit SUNTRUST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 11, 2021 · Amount on Record
Deed Sale	Jan 11, 2021 · Amount on Record
Prior Sale	Jun 17, 2014 · Amount on Record
Deed Document Number	20211248
Deed Book / Page	7949 / 494
Record Updated	Oct 29, 2026

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Jan 11, 2021
Property Address	7022 WILLOW TRACE LN, MATTHEWS, NC 28104-6804
Document Number	0007949494
Book / Page	7949 / 494
Map Reference	CAB G FILE 499
Instrument Date	Jan 8, 2021
Instrument	1248
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	INVESTORS TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,800.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	232 WOODWINDS DR, 232, MOUNT HOLLY, NC 28120-8106

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7022 WILLOW TRACE LN, MATTHEWS, NC 28104-6804

Mortgage

Document Number	0000001249
Date	Jan 11, 2021
Instrument	1249

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

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

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	7022 WILLOW TRACE LN, MATTHEWS, NC 28104-6804
Document Number	69461
Instrument Date	May 23, 2017
Transaction Type	Mortgage
Record Updated	Aug 23, 2018
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	7022 WILLOW TRACE LN MATTHEWS NC 281046804, MATTHEWS, NC 28104-6804

Mortgage

Document Number	69461
Date	Jun 5, 2017
Book Page	006946/000001
Instrument	15638

Lender

Name	SUNTRUST BK
Type	Bank
Address	DURHAM, NC 27701

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 4, 2047

Interest

Rate Type	Adjustable Rate

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		$2,056,100 (-) Land $316,100 Building $1,740,000	$2,056,100 (-) Land $316,100 Building $1,740,000
2025	$10,272.00 (+17.99%)	$2,056,100 (+49.49%) Land $316,100 Building $1,740,000	$2,056,100 (+49.49%) Land $316,100 Building $1,740,000
2023	$8,706.00	$1,375,400 Land $270,500 Building $1,104,900	$1,375,400 Land $270,500 Building $1,104,900

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 62% of the US · above 52% 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	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 103 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 / 50

May also be available: Windstream.

Cell Coverage

5G (outdoors only) and 4G LTE

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