1010 Phar Lap Dr, Indian Trail, NC 28079 Property Records

Union County property record for 1010 Phar Lap Dr, Indian Trail, NC 28079

Property Summary

Property Type	Rural Home
Details	4 bd · 3 ba · 2,593 sqft · built 2006
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$295,000 (Jul 2019)
Tax Bill	$3,258 (2025)
Deeds & Mortgages	Nov 2017 Line of Credit Jul 2019 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-021-531`

Property Details

APN / Parcel Number

Primary APN	`07-021-531`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,593 sqft Living Area
1st Floor Area	2,056 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Conventional
Exterior Material	Other
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	132 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1010 PHAR LAP DR
City	INDIAN TRAIL
State	NC
Zip	28079-5754
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	SF-5 INDIA
Legal Description	#577 BONTERRA PH2 MP2 OPCI978-979
Legal Subdivision	BONTERRA
Jurisdiction	UNION NC
Township / Civil Division	VANCE
Census Block Group	2
Census Block	2091
Census Tract	20305

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	1010 PHAR LAP DR, INDIAN TRAIL, NC 28079-5754
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 9, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Jul 15, 2019	Warranty Deed, Transfer ATTORNEY ONLY
Oct 4, 2018	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 15, 2019 · Amount on Record
Deed Sale	Jul 15, 2019 · Amount on Record
Prior Sale	Apr 3, 2007 · Amount on Record
Deed Document Number	201919968
Deed Book / Page	7414 / 377
Prior Transfer Date	Mar 5, 2007
Prior Transfer Doc	0004481308
Record Updated	Oct 29, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1010 PHAR LAP DR, INDIAN TRAIL, NC 28079-5754
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7050275
Date	Nov 9, 2017
Book Page	7050/275
Instrument	0033078

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Jul 15, 2019
Property Address	1010 PHAR LAP DR, INDIAN TRAIL, NC 28079-5754
Document Number	7414377
Book / Page	007414 / 000377
Instrument Date	Jul 8, 2019
Instrument	19968
Transaction Type	Transfer
Record Updated	Aug 26, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$590.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1010 PHAR LAP DR INDIAN TRAIL NC 280795754, INDIAN TRAIL, NC 28079-5754

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1010 PHAR LAP DR, INDIAN TRAIL, NC 28079-5754
Document Number	7255486
Instrument Date	Oct 4, 2018
Transaction Type	Mortgage
Record Updated	Nov 15, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1010 PEAR LAP DR INDIAN TRAIL NC 28079, INDIAN TRAIL, NC 28079

Mortgage

Document Number	7255486
Date	Oct 22, 2018
Book Page	007255/000486
Instrument	29597

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 21, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.37%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$494,400 (-) Land $90,000 Building $404,400	$494,400 (-) Land $90,000 Building $404,400
2025	$3,258.00 (+28.02%)	$494,400 (+62.1%) Land $90,000 Building $404,400	$494,400 (+62.1%) Land $90,000 Building $404,400
2023	$2,545.00	$305,000 Land $53,000 Building $252,000	$305,000 Land $53,000 Building $252,000

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	5 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Ripple Fiber Fiber	2,000 / 2,000
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

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