849 Spring Oaks Dr, Matthews, NC 28104 Property Records

Union County property record for 849 Spring Oaks Dr, Matthews, NC 28104

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,762 sqft · built 1997
Lot Size	1.01 acres (44,301 sqft)
Owner	2 Individual Names on File
Last Sale	$370,000 (Oct 2015)
Tax Bill	$3,654 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Jul 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-042-110`

Property Details

APN / Parcel Number

Primary APN	`06-042-110`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,762 sqft Living Area
Gross Area	3,562 sqft
1st Floor Area	2,217 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Cape Cod
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	44,301 sqft (1.01 acres)
Garage Type	Attached
Garage Area	800 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	437 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	849 SPRING OAKS DR
City	MATTHEWS
State	NC
Zip	28104-5416
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-40 WEDDI
Legal Description	#509 LAKE PROVIDENCE EAST OPCC377
Legal Subdivision	LAKE PROVIDENCE EAST
Legal Lot Number	509
Jurisdiction	UNION NC
Township / Civil Division	SANDY RIDGE
Census Block Group	2
Census Block	2011
Census Tract	21019

Owner

849 Spring Oaks Dr is owned and occupied by two individuals who bought it in October 2015.

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

Owner of Record	2 Individual Names on File
Mailing Address	849 SPRING OAKS DR, MATTHEWS, NC 28104-5416
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
Mar 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage WYNDHAM CAPITAL MORTGAGE INC
Jul 11, 2019	Deed of Trust, Mortgage · Conventional Mortgage WYNDHAM CAPITAL MORTGAGE INC
Apr 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage WYNDHAM CAPITAL MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2015 · Amount on File
Deed Sale	Oct 30, 2015 · Amount on File
Prior Sale	Nov 30, 2006 · Amount on File
Deed Document Number	201533445
Deed Book / Page	6557 / 897
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	849 SPRING OAKS DR, WEDDINGTON, NC 28104-5416
Transaction Type	Mortgage
Record Updated	Apr 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	8021395
Date	Mar 11, 2021
Book Page	8021/395
Instrument	11306

Lender

Name	WYNDHAM CAPITAL MORTGAGE INC
Type	Mortgage Company
Address	CHARLOTTE, NC 28211

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	121 Months
Due	Apr 1, 2031

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	849 SPRING OAKS DR, WEDDINGTON, NC 28104-5416
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7412457
Date	Jul 11, 2019
Book Page	7412/457
Instrument	0019685

Lender

Name	WYNDHAM CAPITAL MORTGAGE INC
Type	Mortgage Company
Address	CHARLOTTE, NC 28210

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Aug 1, 2039

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	849 SPRING OAKS DR, WEDDINGTON, NC 28104-5416
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7626173
Date	Apr 1, 2020
Book Page	7626/173
Instrument	10947

Lender

Name	WYNDHAM CAPITAL MORTGAGE INC
Type	Mortgage Company
Address	CHARLOTTE, NC 28211

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 1, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 849 Spring Oaks Dr was $3,654.

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		$731,400 (-) Land $154,800 Building $576,600	$731,400 (-) Land $154,800 Building $576,600
2025	$3,654.00	$731,400 Land $154,800 Building $576,600	$731,400 Land $154,800 Building $576,600
2023	$2,949.00	$466,000 Land $91,600 Building $374,400	$466,000 Land $91,600 Building $374,400

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

Flood

FEMA maps place 849 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 849 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