Union County property record for 9105 Spratt Ln, Waxhaw, NC 28173
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,700 sqft · built 2003 |
| Lot Size | 0.386 acres (16,814 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $224,500 (Mar 2004) |
| Tax Bill | $2,507 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-207-126 |
| Primary APN | 06-207-126 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 2,700 sqft Living Area |
| Gross Area | 3,184 sqft |
| 1st Floor Area | 1,244 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 16,814 sqft (0.386 acres) |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 32 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 9105 SPRATT LN |
|---|---|
| City | WAXHAW |
| State | NC |
| Zip | 28173-7991 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | R-40 UNION |
| Legal Description | #288 THE RESERVE PH2 MP1 |
| Legal Subdivision | RESERVE (THE) |
| Jurisdiction | UNION NC |
| Township / Civil Division | SANDY RIDGE |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 21016 |
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 | 9105 SPRATT LN, WAXHAW, NC 28173-7991 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 1, 2004 · Amount on Record |
| Deed Sale | Mar 1, 2004 · Amount on Record |
| Deed Document Number | 20048247 |
| Deed Book / Page | 3365 / 251 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 9105 SPRATT LN, WAXHAW, NC 28173-7991 |
| Transaction Type | Mortgage |
| Record Updated | Nov 8, 2021 |
| Name | Verified Name |
|---|
| Document Number | 8285134 |
|---|---|
| Date | Oct 20, 2021 |
| Book Page | 8285/134 |
| Instrument | 50037 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2051 |
Source: Union County assessment roll, as of March 31, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Union County |
| Unified School District | Union County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $539,800 (-) Land $110,200 Building $429,600 | $539,800 (-) Land $110,200 Building $429,600 | |
| 2025 | $2,507.00 (+9.29%) | $539,800 (+47.12%) Land $110,200 Building $429,600 | $539,800 (+47.12%) Land $110,200 Building $429,600 |
| 2023 | $2,294.00 | $366,900 Land $74,800 Building $292,100 | $366,900 Land $74,800 Building $292,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 85 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Ripple Fiber Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Windstream Fiber · DSL in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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