1019 Potomac Rd, Indian Trail, NC 28079 Property Records

Union County property record for 1019 Potomac Rd, Indian Trail, NC 28079

Property Summary

Property Type	Rural Home
Details	5 bd · 3.5 ba · 2,769 sqft · built 2013
Lot Size	0.201 acres (8,756 sqft)
Owner	2 Individual Names on File
Last Sale	$347,500 (Dec 2020)
Tax Bill	$3,387 (2025)
Deeds & Mortgages	Jan 2018 Mortgage Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-021-691`

Property Details

APN / Parcel Number

Primary APN	`07-021-691`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,769 sqft Living Area
1st Floor Area	1,283 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Architectural Style	Conventional
Construction Type	Wood
Roof Type	Gable
Lot Area	8,756 sqft (0.201 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	32 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	1019 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	#115 ANNANDALE MP5 OPCJ905
Legal Subdivision	ANNANDALE
Jurisdiction	UNION NC
Township / Civil Division	VANCE
Census Block Group	2
Census Block	2025
Census Tract	20305

Owner

1019 Potomac Rd, a rural home, is owned and occupied by two individuals who bought it in December 2020.

Source: Union County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1019 POTOMAC RD, INDIAN TRAIL, NC 28079-8489
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 16, 2018	Deed of Trust, Mortgage · ARM FIFTH THIRD MORTGAGE CO
Dec 18, 2020	Warranty Deed, Transfer · Conventional Mortgage ENCORE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 18, 2020 · Amount on File
Deed Sale	Dec 18, 2020 · Amount on File
Prior Sale	Aug 27, 2015 · Amount on File
Deed Document Number	202053011
Deed Book / Page	7927 / 212
Record Updated	Oct 29, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1019 POTOMAC RD, INDIAN TRAIL, NC 28079-8489
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7087768
Date	Jan 16, 2018
Book Page	7087/768
Instrument	0001230

Lender

Name	FIFTH THIRD MORTGAGE CO
Type	Mortgage Company
Address	CINCINNATI, OH 45227

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Feb 1, 2025
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.75%
Index	1-Year LIBOR
Max Rate	8.75%

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Dec 18, 2020
Property Address	1019 POTOMAC RD, INDIAN TRAIL, NC 28079-8489
Document Number	0007927212
Book / Page	7927 / 212
Map Reference	CAB J FILE 905-907
Instrument Date	Dec 18, 2020
Instrument	53011
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	CAROLINA TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$695.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4003 SAPHIRE LN, 4003, INDIAN TRAIL, NC 28079-5564

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1019 POTOMAC RD, INDIAN TRAIL, NC 28079-8489

Mortgage

Document Number	0000053012
Date	Dec 18, 2020
Instrument	53012

Lender

Name	ENCORE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 1019 Potomac Rd was $3,387.

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		$514,400 (-) Land $99,400 Building $415,000	$514,400 (-) Land $99,400 Building $415,000
2025	$3,387.00	$514,400 Land $99,400 Building $415,000	$514,400 Land $99,400 Building $415,000
2023	$2,697.00	$323,600 Land $59,600 Building $264,000	$323,600 Land $59,600 Building $264,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1019 Potomac Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 1019 Potomac Rd is low, with a 0.01% annual chance of 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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