1024 Affirmed Dr, Indian Trail, NC 28079 Property Records

Union County property record for 1024 Affirmed Dr, Indian Trail, NC 28079

Property Summary

Property Type	Rural Home
Details	4 bd · 3.5 ba · 2,732 sqft · built 2011
Lot Size	0.226 acres (9,845 sqft)
Owner	Individual Name on Record
Last Sale	$525,000 (May 2023)
Tax Bill	$3,409 (2025)
Deeds & Mortgages	Dec 2025 Mortgage May 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-021-796`

Property Details

APN / Parcel Number

Primary APN	`07-021-796`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,732 sqft Living Area
1st Floor Area	1,195 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Architectural Style	Conventional
Construction Type	Wood
Roof Type	Gable
Lot Area	9,845 sqft (0.226 acres)
Garage Type	Attached
Garage Area	380 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	200 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1024 AFFIRMED DR
City	INDIAN TRAIL
State	NC
Zip	28079-8491
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	SF-5 INDIA
Legal Description	#677 BONTERRA PH2 MP4 OPCJ917
Legal Subdivision	BONTERRA
Jurisdiction	UNION NC
Township / Civil Division	VANCE
Census Block Group	2
Census Block	2048
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	Individual Name on Record
Mailing Address	1024 AFFIRMED DR, INDIAN TRAIL, NC 28079-8491
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 30, 2025	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
May 12, 2023	Warranty Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 12, 2023 · Amount on Record
Deed Sale	May 12, 2023 · Amount on Record
Prior Sale	Jun 20, 2011 · Amount on Record
Deed Document Number	202311171
Deed Book / Page	8706 / 711
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1024 AFFIRMED DR, INDIAN TRAIL, NC 28079-8491
Transaction Type	Mortgage
Record Updated	Jan 15, 2026
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1024 AFFIRMED DR, INDIAN TRAIL, NC 28079-8491

Mortgage

Document Number	0009277762
Date	Dec 30, 2025
Book Page	9277/762
Instrument	34691

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	May 12, 2023
Property Address	1024 AFFIRMED DR, INDIAN TRAIL, NC 28079-8491
Document Number	0008706711
Book / Page	8706 / 711
Map Reference	CAB J FILE 917&918
Instrument Date	May 12, 2023
Instrument	11171
Transaction Type	Transfer
Record Updated	May 29, 2023
Title Company	INDEPENDENT TITLE GROUP, INDEPENDENCE TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,050.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4026 BELLE LANDING RD, CHARLOTTE, NC 28270-0514

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1024 AFFIRMED DR, INDIAN TRAIL, NC 28079-8491

Mortgage

Document Number	0000011172
Date	May 12, 2023
Instrument	11172

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

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		$519,200 (-) Land $90,000 Building $429,200	$519,200 (-) Land $90,000 Building $429,200
2025	$3,409.00 (+28.25%)	$519,200 (+62.86%) Land $90,000 Building $429,200	$519,200 (+62.86%) Land $90,000 Building $429,200
2023	$2,658.00	$318,800 Land $53,000 Building $265,800	$318,800 Land $53,000 Building $265,800

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	Direct burnable vegetation

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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