1109 Phar Lap Dr, Indian Trail, NC 28079 Property Records

Union County property record for 1109 Phar Lap Dr, Indian Trail, NC 28079

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 2,056 sqft · built 2007
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$460,000 (Oct 2022)
Tax Bill	$2,922 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-021-516`

Property Details

APN / Parcel Number

Primary APN	`07-021-516`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,056 sqft Living Area
1st Floor Area	2,056 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Conventional
Construction Type	Wood
Roof Type	Gable
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	132 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1109 PHAR LAP DR
City	INDIAN TRAIL
State	NC
Zip	28079-5751
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	SF-5 INDIA
Legal Description	#562 BONTERRA PH2 MP2 OPCI978-979
Legal Subdivision	BONTERRA
Jurisdiction	UNION NC
Township / Civil Division	VANCE
Census Block Group	2
Census Block	2090
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	1109 PHAR LAP DR, INDIAN TRAIL, NC 28079-5751
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 25, 2022	Warranty Deed, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Jul 2, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage BANK OF ENGLAND
May 21, 2020	Warranty Deed, Transfer · Conventional Mortgage BANK OF ENGLAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 25, 2022 · Amount on Record
Deed Sale	Oct 25, 2022 · Amount on Record
Prior Sale	May 21, 2020 · Amount on Record
Deed Document Number	202236376
Deed Book / Page	8596 / 766
Prior Transfer Date	Jun 25, 2021
Prior Transfer Doc	8159672
Record Updated	Oct 29, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Oct 25, 2022
Property Address	1109 PHAR LAP DR, INDIAN TRAIL, NC 28079-5751
Document Number	0008596766
Book / Page	8596 / 766
Map Reference	CAB I FILE 978&979
Instrument Date	Oct 19, 2022
Instrument	36376
Transaction Type	Transfer
Record Updated	Nov 4, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$920.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8223 BELLA VISTA BLVD # BLVD5310, 8223, FISHERS, IN 46038-3138

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000036377
Date	Oct 25, 2022
Instrument	36377

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	UNION NC
Recording Date	Jul 2, 2021
Property Address	1109 PHAR LAP DR, INDIAN TRAIL, NC 28079-5751
Document Number	8159672
Book / Page	8159 / 672
Map Reference	CAB I FILE 978&979
Instrument Date	Jun 25, 2021
Instrument	31593
Transaction Type	Transfer
Record Updated	Jul 19, 2021
Title Company	VANTAGE PT TITLE INC, VANTAGE POINT TITLE INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1109 PHAR LAP DR, INDIAN TRAIL, NC 28079-5751

Mortgage

Document Number	31594
Date	Jul 2, 2021
Instrument	31594

Lender

Name	BANK OF ENGLAND
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	May 21, 2020
Property Address	1109 PHAR LAP DR, INDIAN TRAIL, NC 28079-5751
Document Number	7675679
Book / Page	007675 / 000679
Instrument Date	May 8, 2020
Instrument	17601
Transaction Type	Transfer
Record Updated	Jul 15, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$550.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1109 PHAR LAP DR INDIAN TRAIL NC 280795751, INDIAN TRAIL, NC 28079-5751

Mortgage

Document Number	7675681
Date	May 21, 2020
Book Page	007675/000681
Instrument	17602

Lender

Name	BANK OF ENGLAND
Type	Bank
Address	LITTLE ROCK, AR 72201

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 20, 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		$442,500 (-) Land $90,000 Building $352,500	$442,500 (-) Land $90,000 Building $352,500
2025	$2,922.00 (+25.09%)	$442,500 (+58.32%) Land $90,000 Building $352,500	$442,500 (+58.32%) Land $90,000 Building $352,500
2023	$2,336.00	$279,500 Land $53,000 Building $226,500	$279,500 Land $53,000 Building $226,500

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 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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