707 Torrence Ct, Waxhaw, NC 28173 Property Records

Union County property record for 707 Torrence Ct, Waxhaw, NC 28173

Property Summary

Property Type	Rural Home
Details	4 bd · 3.5 ba · 3,962 sqft · built 2004
Lot Size	0.793 acres (34,543 sqft)
Owner	2 Individual Names on File
Last Sale	$683,000 (Aug 2014)
Tax Bill	$6,832 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit Nov 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-225-069`

Property Details

APN / Parcel Number

Primary APN	`06-225-069`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	3,962 sqft Living Area
Gross Area	4,814 sqft
1st Floor Area	2,865 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Contemporary
Construction Type	Wood
Foundation Type	Raised
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	34,543 sqft (0.793 acres)
Garage Type	Attached
Garage Area	852 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	303 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	707 TORRENCE CT
City	WAXHAW
State	NC
Zip	28173-6803
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R-40 MARVI
Legal Description	#13 INNISBROOK@FIRETHORNE PH1/MP1 OPCH746
Legal Subdivision	FIRETHORNE - INNISBROOK
Jurisdiction	UNION NC
Township / Civil Division	SANDY RIDGE
Census Block Group	2
Census Block	2007
Census Tract	21007

Owner

707 Torrence Ct, a rural home, is owned and occupied by two individuals who bought it in August 2014.

Source: Union County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	707 TORRENCE CT, WAXHAW, NC 28173-6803
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 17, 2022	Deed of Trust, Mortgage · Line of Credit TOWNEBANK
Nov 12, 2019	Deed of Trust, Mortgage · Conventional Mortgage AMERIS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 15, 2014 · Amount on File
Deed Sale	Aug 15, 2014 · Amount on File
Prior Sale	May 31, 2005 · Amount on File
Deed Document Number	201421298
Deed Book / Page	6282 / 710
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	707 TORRENCE CT, WAXHAW, NC 28173-6803
Transaction Type	Mortgage
Record Updated	Jul 5, 2022
Title Company	CORPORATE SETTLEMENT SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	707 TORRENCE CT, WAXHAW, NC 28173-6803

Mortgage

Document Number	0000850430
Date	Jun 17, 2022
Book Page	8504/30
Instrument	21817

Lender

Name	TOWNEBANK
Type	Bank
Address	CHARLOTTE, NC 28211

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	420 Months
Due	Jun 3, 2057

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	707 TORRENCE CT, WAXHAW, NC 28173-6803
Transaction Type	Mortgage
Record Updated	Dec 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007513681
Date	Nov 12, 2019
Book Page	7513/681
Instrument	0035088

Lender

Name	AMERIS BANK
Type	Bank
Address	MARIETTA, GA 30067

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 707 Torrence Ct was $6,832.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,263,700 (-) Land $287,500 Building $976,200	$1,263,700 (-) Land $287,500 Building $976,200
2025	$6,832.00	$1,263,700 Land $287,500 Building $976,200	$1,263,700 Land $287,500 Building $976,200
2023	$5,745.00	$838,200 Land $184,000 Building $654,200	$838,200 Land $184,000 Building $654,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 707 Torrence Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.

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	2 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2024 · Tropical Storm Debby

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 707 Torrence Ct is low, with a 0.03% 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	0.03% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 95 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Windstream DSL · Fiber in parts of the area	200 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Ripple Fiber, Verizon.

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