840 Spring Oaks Dr, Matthews, NC 28104 Property Records

Union County property record for 840 Spring Oaks Dr, Matthews, NC 28104

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 4,590 sqft · built 1992
Lot Size	1.01 acres (43,996 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,605 (2025)
Deeds & Mortgages	Nov 2022 Line of Credit Jan 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`06-042-106`

Property Details

APN / Parcel Number

Primary APN	`06-042-106`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	4,590 sqft Living Area
Gross Area	5,010 sqft
1st Floor Area	1,466 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Colonial
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	43,996 sqft (1.01 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	840 SPRING OAKS DR
City	MATTHEWS
State	NC
Zip	28104-5415
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-40 WEDDI
Legal Description	#505 LAKE PROVIDENCE EAST OPCC377
Legal Subdivision	LAKE PROVIDENCE EAST
Jurisdiction	UNION NC
Township / Civil Division	SANDY RIDGE
Census Block Group	2
Census Block	2004
Census Tract	21019

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	840 SPRING OAKS DR, MATTHEWS, NC 28104-5415
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 18, 2022	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Jan 25, 2021	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jan 25, 2021
Transfer Doc	7964499
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	840 SPRING OAKS DR, MATTHEWS, NC 28104-5415
Transaction Type	Mortgage
Record Updated	Dec 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	840 SPRING OAKS DR, STALLINGS, NC 28104-5415

Mortgage

Document Number	0008611611
Date	Nov 18, 2022
Book Page	8611/611
Instrument	38724

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Nov 17, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	UNION NC
Recording Date	Jan 25, 2021
Property Address	840 SPRING OAKS DR, MATTHEWS, NC 28104-5415
Document Number	7964499
Book / Page	007964 / 000499
Instrument Date	Jan 16, 2021
Instrument	3407
Transaction Type	Transfer
Record Updated	Feb 22, 2021
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	840 SPRING OAKS DR MATTHEWS NC 281045415, MATTHEWS, NC 28104-5415

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		$721,600 (-) Land $154,800 Building $566,800	$721,600 (-) Land $154,800 Building $566,800
2025	$3,605.00 (+26%)	$721,600 (+59.61%) Land $154,800 Building $566,800	$721,600 (+59.61%) Land $154,800 Building $566,800
2023	$2,861.00	$452,100 Land $91,500 Building $360,600	$452,100 Land $91,500 Building $360,600

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

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 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.01% 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 56 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Windstream.

Cell Coverage

5G (outdoors only) and 4G LTE

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