1014 Potomac Rd, Indian Trail, NC 28079 Property Records

Union County property record for 1014 Potomac Rd, Indian Trail, NC 28079

Property Summary

Property Type	Rural Home
Details	4 bd · 3 ba · 4,018 sqft · built 2013
Lot Size	0.231 acres (10,062 sqft)
Owner	2 Individual Names on Record
Last Sale	$388,000 (Apr 2020)
Tax Bill	$4,386 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Dec 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-021-698`

Property Details

APN / Parcel Number

Primary APN	`07-021-698`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	4,018 sqft Living Area
1st Floor Area	1,881 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable
Lot Area	10,062 sqft (0.231 acres)
Garage Type	Attached
Garage Area	393 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	176 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1014 POTOMAC RD
City	INDIAN TRAIL
State	NC
Zip	28079-8489
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	SF-5 INDIA
Legal Description	#122 ANNANDALE MP5 OPCJ905
Legal Subdivision	ANNANDALE
Jurisdiction	UNION NC
Township / Civil Division	VANCE
Census Block Group	2
Census Block	2026
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	1014 POTOMAC RD, INDIAN TRAIL, NC 28079-8489
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST HOME MORTGAGE CORP
Dec 27, 2019	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Apr 3, 2020	Warranty Deed, Transfer · Conventional Mortgage FIRST HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 3, 2020 · Amount on Record
Deed Sale	Apr 3, 2020 · Amount on Record
Prior Sale	Jan 24, 2014 · Amount on Record
Deed Document Number	202011227
Deed Book / Page	7628 / 153
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1014 POTOMAC RD, INDIAN TRAIL, NC 28079-8489
Transaction Type	Mortgage
Record Updated	Jul 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	8141603
Date	Jun 18, 2021
Book Page	8141/603
Instrument	28975

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company
Address	NOTTINGHAM, MD 21236

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1014 POTOMAC RD, INDIAN TRAIL, NC 28079-8489
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE GUARANTY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7550671
Date	Dec 27, 2019
Book Page	7550/671
Instrument	0040596

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Apr 3, 2020
Property Address	1014 POTOMAC RD, INDIAN TRAIL, NC 28079-8489
Document Number	0007628153
Book / Page	7628 / 153
Map Reference	CAB J FILE 905-907
Instrument Date	Mar 31, 2020
Instrument	11227
Transaction Type	Transfer
Record Updated	Dec 14, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$776.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5117 HARWICH CIR, 5117, MATTHEWS, NC 28104-0052

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1014 POTOMAC RD, INDIAN TRAIL, NC 28079-8489

Mortgage

Document Number	0000011228
Date	Apr 3, 2020
Instrument	11228

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2050

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		$667,800 (-) Land $99,400 Building $568,400	$667,800 (-) Land $99,400 Building $568,400
2025	$4,386.00 (+25.6%)	$667,800 (+59.11%) Land $99,400 Building $568,400	$667,800 (+59.11%) Land $99,400 Building $568,400
2023	$3,492.00	$419,700 Land $59,600 Building $360,100	$419,700 Land $59,600 Building $360,100

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Windstream Fiber · DSL in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Ripple Fiber.

Cell Coverage

5G (outdoors only) and 4G LTE

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