Union County property record for 1103 Cigar Ln, Indian Trail, NC 28079
| Property Type | Rural Home |
|---|---|
| Details | 5 bd · 3 ba · 2,802 sqft · built 2018 |
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $535,000 (May 2022) |
| Tax Bill | $3,671 (2025) |
| Deeds & Mortgages | May 2022 Sale & Mortgage Dec 2021 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-021-943 |
| Primary APN | 07-021-943 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,802 sqft Living Area |
| 1st Floor Area | 1,246 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Construction Type | Wood |
| Roof Type | Gable |
| Lot Area | 5,663 sqft (0.13 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Porch | Slab |
| Porch Area | 170 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1103 CIGAR LN |
|---|---|
| City | INDIAN TRAIL |
| State | NC |
| Zip | 28079-5802 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | SF-5 INDIA |
| Legal Description | #815 BONTERRA PH4 MAP1 OPCN860-861 |
| Legal Subdivision | BONTERRA |
| Jurisdiction | UNION NC |
| Township / Civil Division | VANCE |
| Census Block Group | 2 |
| Census Block | 2078 |
| Census Tract | 20305 |
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 | 1103 CIGAR LN, INDIAN TRAIL, NC 28079-5802 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 27, 2022 | Warranty Deed, Transfer · Conventional Mortgage LENDSURE MORTGAGE CORP |
| Dec 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Apr 6, 2021 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Sep 3, 2019 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Jun 10, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Apr 25, 2018 | Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage UWHARRIE BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 27, 2022 · Amount on Record |
| Deed Sale | May 27, 2022 · Amount on Record |
| Prior Sale | Apr 25, 2018 · Amount on Record |
| Deed Document Number | 202219477 |
| Deed Book / Page | 8488 / 824 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | May 27, 2022 |
| Property Address | 1103 CIGAR LN, INDIAN TRAIL, NC 28079-5802 |
| Document Number | 0008488824 |
| Book / Page | 8488 / 824 |
| Map Reference | CAB N FILE 860&861 |
| Instrument Date | May 23, 2022 |
| Instrument | 19477 |
| Transaction Type | Transfer |
| Record Updated | Jun 9, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,070.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 735 MARKET ST # 7212, 735, WOODSTOCK, GA 30188-1735 |
| Name | Verified Name |
|---|---|
| Address | 1103 CIGAR LN, INDIAN TRAIL, NC 28079-5802 |
| Document Number | 0000019478 |
|---|---|
| Date | May 27, 2022 |
| Instrument | 19478 |
| Name | LENDSURE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 1103 CIGAR LN, INDIAN TRAIL, NC 28079-5802 |
| Transaction Type | Mortgage |
| Record Updated | Jan 13, 2022 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0008353161 |
|---|---|
| Date | Dec 22, 2021 |
| Book Page | 8353/161 |
| Instrument | 60037 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 1103 CIGAR LN, INDIAN TRAIL, NC 28079-5802 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2021 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 8053451 |
|---|---|
| Date | Apr 6, 2021 |
| Book Page | 8053/451 |
| Instrument | 15982 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 352 Months |
| Due | Aug 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 1103 CIGAR LN, INDIAN TRAIL, NC 28079-5802 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 7455365 |
|---|---|
| Date | Sep 3, 2019 |
| Book Page | 7455/365 |
| Instrument | 0026280 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 1103 CIGAR LN, INDIAN TRAIL, NC 28079-5802 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 7696171 |
|---|---|
| Date | Jun 10, 2020 |
| Book Page | 7696/171 |
| Instrument | 20559 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2050 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Apr 25, 2018 |
| Property Address | 1103 CIGAR LN, INDIAN TRAIL, NC 28079-5802 |
| Document Number | 0007143188 |
| Book / Page | 7143 / 188 |
| Map Reference | CAB N FILE 860-861 |
| Instrument Date | Apr 25, 2018 |
| Instrument | 0010854 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 14, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $630.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5615 POTTER RD, 5615, MATTHEWS, NC 28104-0508 |
| Name | Verified Name |
|---|---|
| Address | 1103 CIGAR LN, INDIAN TRAIL, NC 28079-5802 |
| Document Number | 0000010855 |
|---|---|
| Date | Apr 25, 2018 |
| Instrument | 0010855 |
| Name | UWHARRIE BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 362 Months |
| Due | Jun 1, 2048 |
Source: Union County assessment roll, as of March 31, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Union County |
| Municipality | Indian Trail Town |
| Unified School District | Union County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $558,200 (-) Land $101,800 Building $456,400 | $558,200 (-) Land $101,800 Building $456,400 | |
| 2025 | $3,671.00 (+26.72%) | $558,200 (+60.96%) Land $101,800 Building $456,400 | $558,200 (+60.96%) Land $101,800 Building $456,400 |
| 2023 | $2,897.00 | $346,800 Land $65,000 Building $281,800 | $346,800 Land $65,000 Building $281,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 563 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 |
| Verizon Fixed Wireless | 300 / 20 |
| Windstream DSL | 100 / 20 |
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