9020 Pine Laurel Dr, Matthews, NC 28104 Property Records

Union County property record for 9020 Pine Laurel Dr, Matthews, NC 28104

Property Summary

Property Type	Rural Home
Details	5 bd · 5 ba · 5,181 sqft · built 2016
Lot Size	0.459 acres (19,994 sqft)
Owner	2 Individual Names on Record
Last Sale	$325,000 (Feb 2016)
Tax Bill	$8,656 (2025)
Deeds & Mortgages	Aug 2019 Mortgage Apr 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-174-318`

Property Details

APN / Parcel Number

Primary APN	`06-174-318`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	5,181 sqft Living Area
1st Floor Area	3,019 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Conventional
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Lot Area	19,994 sqft (0.459 acres)
Garage Type	Attached
Garage Area	1,124 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	409 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	9020 PINE LAUREL DR
City	MATTHEWS
State	NC
Zip	28104-8056
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	RCD WEDDIN
Legal Description	#132 HIGHGATE PH2 MP2 OPCI403/OPCI879
Legal Subdivision	HIGHGATE
Jurisdiction	UNION NC
Township / Civil Division	SANDY RIDGE
Census Block Group	1
Census Block	1000
Census Tract	21006

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	9020 PINE LAUREL DR, MATTHEWS, NC 28104-8056
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 27, 2019	Deed of Trust, Mortgage · ARM WELLS FARGO BANK NA
Apr 9, 2021	Deed of Trust, Mortgage · SBA Mortgage COGENT BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 5, 2016 · Amount on Record
Deed Sale	Feb 5, 2016 · Amount on Record
Prior Sale	Feb 26, 2007 · Amount on Record
Deed Document Number	20163086
Deed Book / Page	6611 / 706
Record Updated	Oct 29, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	9020 PINE LAUREL DR, MATTHEWS, NC 28104-8056
Transaction Type	Mortgage
Record Updated	Aug 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007450892
Date	Aug 27, 2019
Book Page	7450/892
Instrument	0025622

Lender

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

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	Sep 1, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5%
Index	1-Year LIBOR
Max Rate	8%

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	9020 PINE LAUREL DR, MATTHEWS, NC 28104-8056
Transaction Type	Mortgage
Record Updated	Aug 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008058213
Date	Apr 9, 2021
Book Page	8058/213
Instrument	16700

Lender

Name	COGENT BANK
Type	Bank
Address	GREENVILLE, SC 29601

Agreement

Type	SBA Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Apr 8, 2031

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		$1,732,700 (-) Land $293,400 Building $1,439,300	$1,732,700 (-) Land $293,400 Building $1,439,300
2025	$8,656.00 (+8.85%)	$1,732,700 (+37.92%) Land $293,400 Building $1,439,300	$1,732,700 (+37.92%) Land $293,400 Building $1,439,300
2023	$7,952.00	$1,256,300 Land $259,200 Building $997,100	$1,256,300 Land $259,200 Building $997,100

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (2020)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2020 · rainfall accumulation

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 94% of the US · lower than 96% of North Carolina
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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 187 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Google Fiber Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Windstream.

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