Union County property record for 1107 Cigar Ln, Indian Trail, NC 28079
| Property Type | Rural Home |
|---|---|
| Details | 5 bd · 3 ba · 3,128 sqft · built 2018 |
| Lot Size | 0.118 acres (5,140 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $327,500 (May 2018) |
| Tax Bill | $3,910 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Mar 2024 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-021-942 |
| Primary APN | 07-021-942 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 3,128 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Construction Type | Wood |
| Roof Type | Gable |
| Lot Area | 5,140 sqft (0.118 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Porch | Slab |
| Porch Area | 139 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1107 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 | #814 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 April 16, 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 | 1107 CIGAR LN, INDIAN TRAIL, NC 28079-5802 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 2, 2026 | Deed of Trust, Mortgage · Conventional Mortgage BEAZER MORTGAGE CORPORATION |
| Mar 15, 2024 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Jan 27, 2022 | Deed of Trust, Mortgage · Conventional Mortgage FIRST FEDERAL BANK |
| Sep 17, 2021 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Oct 30, 2020 | Deed of Trust, Mortgage · FHA Mortgage FIRST FEDERAL BANK |
| May 23, 2018 | Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage CBC NATIONAL BANK MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 23, 2018 · Amount on Record |
| Deed Sale | May 23, 2018 · Amount on Record |
| Deed Document Number | 201813851 |
| Deed Book / Page | 7161 / 254 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Apr 2, 2026 |
| Property Address | 1107 CIGAR LN, INDIAN TRAIL, NC 28079-5802 |
| Document Number | 0000008820 |
| Book / Page | 9341 / 636 |
| Instrument Date | Mar 28, 2026 |
| Instrument | 20268820 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | MORTGAGE CONNECT |
| Name | Verified Name |
|---|---|
| Address | 1107 CIGAR LN, INDIAN TRAIL, NC 28079-5802 |
| Document Number | 0000008820, |
|---|---|
| Date | Apr 2, 2026 |
| Book Page | 9341/636 |
| Instrument | 20268820 |
| Name | BEAZER MORTGAGE CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Apr 1, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.98% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 1107 CIGAR LN, INDIAN TRAIL, NC 28079-5802 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2024 |
| Title Company | ACCURATE GROUP, ACCURATE GROUP LLC |
| Name | Verified Name |
|---|---|
| Address | 1107 CIGAR LN, INDIAN TRAIL, NC 28079-5802 |
| Document Number | 0000886972 |
|---|---|
| Date | Mar 15, 2024 |
| Book Page | 8869/72 |
| Instrument | 5626 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 1107 CIGAR LN, INDIAN TRAIL, NC 28079-5802 |
| Transaction Type | Mortgage |
| Record Updated | Feb 10, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0008383157 |
|---|---|
| Date | Jan 27, 2022 |
| Book Page | 8383/157 |
| Instrument | 3262 |
| Name | FIRST FEDERAL BANK |
|---|---|
| Type | Bank |
| Address | ALPHARETTA, GA 30022 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 1107 CIGAR LN, INDIAN TRAIL, NC 28079-5802 |
| Transaction Type | Mortgage |
| Record Updated | Oct 1, 2021 |
| Title Company | TITLE 365, TITLE365 |
| Name | Verified Name |
|---|---|
| Address | 1107 CIGAR LN, INDIAN TRAIL, NC 28079-5802 |
| Document Number | 8246257 |
|---|---|
| Date | Sep 17, 2021 |
| Book Page | 8246/257 |
| Instrument | 44215 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | DURHAM, NC 27701 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 3, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 1107 CIGAR LN, INDIAN TRAIL, NC 28079-5802 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 7867277 |
|---|---|
| Date | Oct 30, 2020 |
| Book Page | 7867/277 |
| Instrument | 44448 |
| Name | FIRST FEDERAL BANK |
|---|---|
| Type | Bank |
| Address | ALPHARETTA, GA 30022 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | May 23, 2018 |
| Property Address | 1107 CIGAR LN, INDIAN TRAIL, NC 28079-5802 |
| Document Number | 0007161254 |
| Book / Page | 7161 / 254 |
| Map Reference | CAB N FILE 860&861 |
| Instrument Date | May 22, 2018 |
| Instrument | 0013851 |
| 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 | $655.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5615 POTTER RD, 5615, MATTHEWS, NC 28104-0508 |
| Name | Verified Name |
|---|---|
| Address | 1107 CIGAR LN, INDIAN TRAIL, NC 28079-5802 |
| Document Number | 0000013852 |
|---|---|
| Date | May 23, 2018 |
| Instrument | 0013852 |
| Name | CBC NATIONAL BANK MORTGAGE |
|---|---|
| Type | Non-Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 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 |
|---|---|---|---|
| 2025 | $3,910.00 (+28.62%) | $596,600 (+63.77%) Land $101,800 Building $494,800 | $596,600 (+63.77%) Land $101,800 Building $494,800 |
| 2023 | $3,040.00 | $364,300 Land $65,000 Building $299,300 | $364,300 Land $65,000 Building $299,300 |
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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