Union County property record for 1012 Phar Lap Dr, Indian Trail, NC 28079
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2 ba · 2,056 sqft · built 2006 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $345,000 (Apr 2021) |
| Tax Bill | $2,908 (2025) |
| Deeds & Mortgages | Aug 2022 Mortgage Apr 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-021-532 |
| Primary APN | 07-021-532 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 2,056 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Conventional |
| Construction Type | Wood |
| Roof Type | Gable |
| Lot Area | 8,712 sqft (0.2 acres) |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 140 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1012 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 | #578 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 |
Source: Union County records · APN 07-021-532
Assessment roll updated March 31, 2026 · Last verified April 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 File |
|---|---|
| Mailing Address | 1012 PHAR LAP DR, INDIAN TRAIL, NC 28079-5754 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 08, 2022 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Apr 29, 2021 | Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 29, 2021 · Amount on Record |
| Deed Sale | Apr 29, 2021 · Amount on Record |
| Prior Sale | Dec 21, 2006 · Amount on Record |
| Deed Document Number | 202120403 |
| Deed Book / Page | 8083 / 885 |
| Prior Transfer Date | Sep 15, 2006 |
| Prior Transfer Doc | 4306175 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 1012 PHAR LAP DR, INDIAN TRAIL, NC 28079-5754 |
| Transaction Type | Mortgage |
| Record Updated | Aug 22, 2022 |
| Title Company | AMROCK |
| Name | Verified Name |
|---|
| Document Number | 0008543592 |
|---|---|
| Date | Aug 08, 2022 |
| Book Page | 8543/592 |
| Instrument | 28009 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Apr 29, 2021 |
| Property Address | 1012 PHAR LAP DR, INDIAN TRAIL, NC 28079-5754 |
| Document Number | 8083885 |
| Book / Page | 8083 / 885 |
| Map Reference | CAB I FILE 978 |
| Instrument Date | Apr 29, 2021 |
| Instrument | 20403 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $690.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8720 MATTHEWS FARM LN, 8720, CHARLOTTE, NC 28277-1005 |
| Name | Verified Name |
|---|---|
| Address | 1012 PHAR LAP DR, INDIAN TRAIL, NC 28079-5754 |
| Document Number | 20404 |
|---|---|
| Date | Apr 29, 2021 |
| Instrument | 20404 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2051 |
Source: Union County records · Assessment roll updated March 31, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Union County |
| Municipality | Indian Trail Town |
| Unified School District | Union County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,908.00 (+24.97%) | $440,400 (+58.19%) Land $90,000 Building $350,400 | $440,400 (+58.19%) Land $90,000 Building $350,400 |
| 2023 | $2,327.00 | $278,400 Land $53,000 Building $225,400 | $278,400 Land $53,000 Building $225,400 |
Source: FEMA National Flood Hazard Layer as of September 14, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 5 in force |
| 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 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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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: Uniti Group.
Based on FCC filings for 376 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | UNION COUNTY WATER SYSTEM serves 169,685 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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