Union County property record for 1404 Native Diver Ln, Indian Trail, NC 28079 · Last verified April 2026
| Property Type | Residential > Single Family > Rural Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2018 |
| Square Footage | 2,373 sqft Living Area |
| Lot Size | 6,882 sqft (0.158 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $320,000 (2019) |
| Tax Bill | $3,465.00 (2025) |
| Primary APN | 07-021-980 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Building Area | 2,373 sqft Living Area |
| Stories | 1 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Construction Type | Wood Construction |
| Roof Construction | Gable Roof Construction |
| Lot Area | 6,882 sqft (0.158 acres) |
| Garage Type | Attached Garage |
| Garage Area | 579 sqft Garage |
| Porch Area | 96 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Street Address | 1404 NATIVE DIVER LN |
|---|---|
| City | INDIAN TRAIL |
| State | NC |
| Zip | 28079-5805 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Rural Home |
| Legal Description | #832 BONTERRA PH4 MAP2 OPCN940-942 |
| Legal Subdivision | BONTERRA VILLAGE SUBDIVISION |
| Jurisdiction | UNION NC |
| Minor Civil Division | VANCE |
| Census Blockgroup | 2 |
| Census Block | 2058 |
| Census Tract | 20305 |
Source: Union County records · APN 07-021-980
Assessment roll updated March 31, 2026 · Last verified April 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 File |
|---|---|
| Mailing Address | 1404 NATIVE DIVER LN, INDIAN TRAIL, NC 28079-5805 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Oct 22, 2025 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Mar 17, 2020 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Apr 17, 2019 | Special Warranty Deed, Subdivision Related Transfer · Adjustable Rate Mortgage (ARM) STATE EMPLOYEES CU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 17, 2019 · Amount on Record |
| Deed Sale | Apr 17, 2019 · Amount on Record |
| Deed Doc Number | 201910023 |
| Deed Book / Page | 7351 / 889 |
| Last Transfer Date | Jul 02, 2024 |
| Transfer Doc | 0008933336 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 1404 NATIVE DIVER LN, INDIAN TRAIL, NC 28079-5805 |
| Transaction Type | Mortgage |
| Record Updated | Nov 05, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1404 NATIVE DIVER LN, INDIAN TRAIL, NC 28079-5805 |
| Document Number | 0000922863 |
|---|---|
| Date | Oct 22, 2025 |
| Book Page | 9228/63 |
| Instrument | 27716 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.12% |
| Type Change Date | Nov 01, 2030 |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.12% |
| Max Rate At Change | 7.12% |
| Index | 5-Year TN |
| Max Rate | 11.1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 1404 NATIVE DIVER LN, INDIAN TRAIL, NC 28079-5805 |
| Transaction Type | Mortgage |
| Record Updated | Dec 14, 2021 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|
| Document Number | 0000761175 |
|---|---|
| Date | Mar 17, 2020 |
| Book Page | 7611/75 |
| Instrument | 8858 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | CHARLOTTE, NC 28227 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Apr 17, 2019 |
| Property Address | 1404 NATIVE DIVER LN, INDIAN TRAIL, NC 28079-5805 |
| Document Number | 0007351889 |
| Book / Page | 7351 / 889 |
| Map Reference | CAB N FILER 940-942 |
| Instrument Date | Apr 17, 2019 |
| Instrument | 0010023 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 14, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $640.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 11405 N COMMUNITY HOUSE RD STE 150, 11405, CHARLOTTE, NC 28277-4430 |
| Name | Verified Name |
|---|---|
| Address | 1404 NATIVE DIVER LANE, INDIAN TRAIL, NC 28079-5805 |
| Document Number | 0000010024 |
|---|---|
| Date | Apr 17, 2019 |
| Instrument | 0010024 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | Adjustable Rate Mortgage (ARM) |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.87% |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.25% |
| Index | 5-Year CMT |
| Margin | 2 |
| Max Rate | 6% |
Source: Union County records · Assessment roll updated March 31, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Union County |
| Municipality | Indian Trail Town |
| Unified School District | Union County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,465.00 (+24.77%) | $526,000 (+58.39%) Land $101,800 Building $424,200 | $526,000 (+58.39%) Land $101,800 Building $424,200 |
| 2023 | $2,777.00 | $332,100 Land $65,000 Building $267,100 | $332,100 Land $65,000 Building $267,100 |
Source: FEMA National Flood Hazard Layer, Union County (37179C), updated September 14, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 20% of the US · above 24% of North Carolina |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Indirect within ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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