Union County property record for 9107 Spratt Ln, Waxhaw, NC 28173
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,657 sqft · built 2003 |
| Lot Size | 0.332 acres (14,462 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $238,000 (Jan 2004) |
| Tax Bill | $2,493 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage Sep 2017 Second Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-207-125 |
| Primary APN | 06-207-125 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 2,657 sqft Living Area |
| Gross Area | 3,057 sqft |
| 1st Floor Area | 1,236 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Conventional |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 14,462 sqft (0.332 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 37 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 9107 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 | #287 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 | 9107 SPRATT LN, WAXHAW, NC 28173-7991 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 15, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Sep 22, 2017 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage FOUNDERS FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 30, 2004 · Amount on Record |
| Deed Sale | Jan 30, 2004 · Amount on Record |
| Deed Document Number | 20044129 |
| Deed Book / Page | 3342 / 366 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 9107 SPRATT LN, WAXHAW, NC 28173-7991 |
| Transaction Type | Mortgage |
| Record Updated | Oct 1, 2021 |
| Name | Verified Name |
|---|
| Document Number | 824319 |
|---|---|
| Date | Sep 15, 2021 |
| Book Page | 8243/19 |
| Instrument | 43791 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48228 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 9107 SPRATT LN, WAXHAW, NC 28173-7991 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 7020324 |
|---|---|
| Date | Sep 22, 2017 |
| Book Page | 7020/324 |
| Instrument | 0027997 |
| Name | FOUNDERS FCU |
|---|---|
| Type | Credit Union |
| Address | LANCASTER, SC 29720 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Oct 5, 2032 |
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 | $536,600 (-) Land $110,200 Building $426,400 | $536,600 (-) Land $110,200 Building $426,400 | |
| 2025 | $2,493.00 (+10.95%) | $536,600 (+49.35%) Land $110,200 Building $426,400 | $536,600 (+49.35%) Land $110,200 Building $426,400 |
| 2023 | $2,247.00 | $359,300 Land $74,800 Building $284,500 | $359,300 Land $74,800 Building $284,500 |
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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