8612 Cutters Spring Dr, Waxhaw, NC 28173 Property Records

Union County property record for 8612 Cutters Spring Dr, Waxhaw, NC 28173

Property Summary

Property Type	Rural Home
Details	4 bd · 3 ba · 3,301 sqft · built 2017
Lot Size	0.278 acres (12,110 sqft)
Owner	2 Individual Names on Record
Last Sale	$437,000 (May 2017)
Tax Bill	$6,620 (2025)
Deeds & Mortgages	Oct 2019 Mortgage Dec 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-186-435`

Property Details

APN / Parcel Number

Primary APN	`06-186-435`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	3,301 sqft Living Area
1st Floor Area	1,593 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable
Lot Area	12,110 sqft (0.278 acres)
Garage Type	Attached
Garage Area	493 sqft
Porch	Slab
Porch Area	175 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	8612 CUTTERS SPRING DR
City	WAXHAW
State	NC
Zip	28173-0072
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	CD R-4 WAX
Legal Description	#32 BARRINGTON 2 MAP3 OPCN035-036
Legal Subdivision	BARRINGTON
Jurisdiction	UNION NC
Township / Civil Division	SANDY RIDGE
Census Block Group	2
Census Block	2021
Census Tract	21016

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	8612 CUTTERS SPRING DR, WAXHAW, NC 28173-0072
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 25, 2019	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FEDERAL MORTGAGE CORP
Dec 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage INTERCONTINENTAL CAPITAL GROUP INC
Jan 2, 2018	Deed of Trust, Mortgage · Line of Credit SUNTRUST BANK
May 19, 2017	Grant Deed, Transfer · Conventional Mortgage SUNTRUST MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 19, 2017 · Amount on Record
Deed Sale	May 19, 2017 · Amount on Record
Deed Document Number	201713890
Deed Book / Page	6935 / 67
Record Updated	Oct 29, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	8612 CUTTERS SPRING DR, WAXHAW, NC 28173-0072
Transaction Type	Mortgage
Record Updated	Dec 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007499303
Date	Oct 25, 2019
Book Page	7499/303
Instrument	0032960

Lender

Name	AMERICAN FEDERAL MORTGAGE CORP
Type	Mortgage Company
Address	CHESTER, NJ 07930

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	8612 CUTTERS SPRING DR, WAXHAW, NC 28173-0072
Transaction Type	Mortgage
Record Updated	Dec 12, 2022
Title Company	NATIONWIDE TTL CLEARING INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008360365
Date	Dec 30, 2021
Book Page	8360/365
Instrument	61065

Lender

Name	INTERCONTINENTAL CAPITAL GROUP INC
Type	Mortgage Company
Address	MELVILLE, NY 11747

Agreement

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

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	8612 CUTTERS SPRING DR, WAXHAW, NC 28173-0072
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7081312
Date	Jan 2, 2018
Book Page	7081/312
Instrument	0000079

Lender

Name	SUNTRUST BANK
Type	Bank
Address	NASHVILLE, TN 37214

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Dec 20, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	UNION NC
Recording Date	May 19, 2017
Property Address	8612 CUTTERS SPRING DR, WAXHAW, NC 28173-0072
Document Number	693567
Book / Page	006935 / 000067
Instrument Date	May 19, 2017
Instrument	13890
Transaction Type	Transfer
Record Updated	Jul 17, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$874.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	8612 CUTTER SPRING DR WAXHAW NC 281730072, WAXHAW, NC 28173-0072

Mortgage

Document Number	693570
Date	May 19, 2017
Book Page	006935/000070
Instrument	13891

Lender

Name	SUNTRUST MTG
Type	Mortgage Company
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 18, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$877,300 (-) Land $156,000 Building $721,300	$877,300 (-) Land $156,000 Building $721,300
2025	$6,620.00 (+31.14%)	$877,300 (+75.6%) Land $156,000 Building $721,300	$877,300 (+75.6%) Land $156,000 Building $721,300
2023	$5,048.00	$499,600 Land $84,600 Building $415,000	$499,600 Land $84,600 Building $415,000

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	3 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 272 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Ripple Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Comporium, Windstream.

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