705 White Oak Ln, Matthews, NC 28104 Property Records

Union County property record for 705 White Oak Ln, Matthews, NC 28104

Property Summary

Property Type	Rural Home
Details	2 bd · 2 ba · 1,092 sqft · built 2001
Lot Size	0.724 acres (31,537 sqft)
Owner	2 Individual Names on Record
Last Sale	$309,000 (Sep 2024)
Tax Bill	$2,156 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`07-102-234`

Property Details

APN / Parcel Number

Primary APN	`07-102-234`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,092 sqft Living Area
Gross Area	1,312 sqft
1st Floor Area	1,092 sqft

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	31,537 sqft (0.724 acres)
Garage Type	Attached
Garage Area	220 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	25 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	705 WHITE OAK LN
City	MATTHEWS
State	NC
Zip	28104-8809
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R-10 STALL
Legal Description	#37 FOREST PARK PH4 MP1 OPCF115
Legal Subdivision	FOREST PARK
Legal Lot Number	37
Jurisdiction	UNION NC
Township / Civil Division	VANCE
Census Block Group	1
Census Block	1009
Census Tract	20312

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	705 WHITE OAK LN, MATTHEWS, NC 28104-8809
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2024 · Amount on Record
Deed Sale	Sep 30, 2024 · Amount on Record
Prior Sale	Jun 2, 2022 · Amount on Record
Deed Document Number	202423356
Deed Book / Page	8985 / 248
Prior Transfer Date	Jul 15, 2005
Prior Transfer Doc	0003851012
Record Updated	Oct 29, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Jun 2, 2022
Property Address	705 WHITE OAK LN, MATTHEWS, NC 28104-8809
Document Number	0008492617
Book / Page	8492 / 617
Map Reference	CAB F FILE 115-117
Instrument Date	Jun 2, 2022
Instrument	20037
Transaction Type	Transfer
Record Updated	Jun 20, 2022
Title Company	INVESTORS TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$612.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	730 WHITE OAK LN, 730, MATTHEWS, NC 28104-8808

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	705 WHITE OAK LN, MATTHEWS, NC 28104-8809

Mortgage

Document Number	0000020038
Date	Jun 2, 2022
Instrument	20038

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$312,200 (-) Land $65,200 Building $247,000	$312,200 (-) Land $65,200 Building $247,000
2025	$2,156.00 (+24.41%)	$312,200 (+53.94%) Land $65,200 Building $247,000	$312,200 (+53.94%) Land $65,200 Building $247,000
2023	$1,733.00	$202,800 Land $39,500 Building $163,300	$202,800 Land $39,500 Building $163,300

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	1 (2026)
Most Recent Claim	May 2026 · 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 96% of the US · lower than 97.9% of North Carolina
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
Ripple Fiber Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Windstream Fiber · DSL in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20