848 Spring Oaks Dr, Matthews, NC 28104 Property Records

Union County property record for 848 Spring Oaks Dr, Matthews, NC 28104

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,411 sqft · built 2002
Lot Size	1.08 acres (47,219 sqft)
Owner	2 Individual Names on File
Last Sale	$675,000 (Dec 2021)
Tax Bill	$4,434 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Jan 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-042-107`

Property Details

APN / Parcel Number

Primary APN	`06-042-107`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	3,411 sqft Living Area
Gross Area	4,870 sqft
1st Floor Area	2,380 sqft
Basement Area	608 sqft
Finished Basement	368 sqft
Unfinished Basement	240 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	Gable
Roof Material	Composition Shingle
Lot Area	47,219 sqft (1.08 acres)
Garage Type	Attached
Garage Area	851 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	1,075 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	848 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	#506 LAKE PROVIDENCE EAST OPCC377
Legal Subdivision	LAKE PROVIDENCE EAST
Legal Lot Number	506
Jurisdiction	UNION NC
Township / Civil Division	SANDY RIDGE
Census Block Group	2
Census Block	2004
Census Tract	21019

Owner

848 Spring Oaks Dr is owned and occupied by two individuals who bought it in December 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	848 SPRING OAKS DR, MATTHEWS, NC 28104-5415
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
Dec 13, 2021	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Jan 22, 2018	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 13, 2021 · Amount on File
Deed Sale	Dec 13, 2021 · Amount on File
Prior Sale	Apr 24, 1998 · Amount on File
Deed Document Number	202158419
Deed Book / Page	8341 / 618
Record Updated	Oct 29, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Dec 13, 2021
Property Address	848 SPRING OAKS DR, MATTHEWS, NC 28104-5415
Document Number	0008341618
Book / Page	8341 / 618
Map Reference	CAB C FILE 377
Instrument Date	Dec 10, 2021
Instrument	58419
Transaction Type	Transfer
Record Updated	Dec 23, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,350.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1620 WINDSOR RUN LN # LN306, 1620, MATTHEWS, NC 28105-0071

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	848 SPRING OAKS DR, MATTHEWS, NC 28104-5415

Mortgage

Document Number	0000058420
Date	Dec 13, 2021
Instrument	58420

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	848 SPRING OAKS DR, MATTHEWS, NC 28104-5415
Transaction Type	Mortgage
Record Updated	Sep 14, 2021
Title Company	ADVANTAGE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7090462
Date	Jan 22, 2018
Book Page	7090/462
Instrument	0001656

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 848 Spring Oaks Dr was $4,434.

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		$887,700 (-) Land $154,800 Building $732,900	$887,700 (-) Land $154,800 Building $732,900
2025	$4,434.00	$887,700 Land $154,800 Building $732,900	$887,700 Land $154,800 Building $732,900
2023	$3,585.00	$566,400 Land $92,200 Building $474,200	$566,400 Land $92,200 Building $474,200

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

Flood

FEMA maps place 848 Spring Oaks Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 848 Spring Oaks Dr is low, with a 0.01% 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	0.01% 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

Nearby Properties on Spring Oaks Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures