Union County property record for 1412 Native Diver Ln, Indian Trail, NC 28079 · Last verified April 2026
| Property Type | Other > Other Improved |
|---|---|
| Year Built | Built 2019 |
| Lot Size | 6,882 sqft (0.158 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $525,000 (2022) |
| Tax Bill | $4,107.00 (2025) |
| Primary APN | 07-021-982 |
|---|
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Lot Area | 6,882 sqft (0.158 acres) |
| Street Address | 1412 NATIVE DIVER LN |
|---|---|
| City | INDIAN TRAIL |
| State | NC |
| Zip | 28079-5805 |
| Property Usage | Other Property Usage |
| Type | Other > Other Improved |
| Legal Description | #834 BONTERRA PH4 MAP2 OPCO186 |
| 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 07-021-982
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 | Individual Name on File |
|---|---|
| Mailing Address | 1412 NATIVE DIVER LN, INDIAN TRAIL, NC 28079-5805 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Feb 08, 2021 | Deed of Trust, Mortgage · Conventional Mortgage HOMETOWN LENDERS INC |
| Oct 13, 2022 | Warranty Deed, Transfer · Conventional Mortgage DIGITAL FCU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 13, 2022 · Amount on Record |
| Deed Sale | Oct 13, 2022 · Amount on Record |
| Prior Sale | Jul 19, 2019 · Amount on Record |
| Deed Doc Number | 202235316 |
| Deed Book / Page | 8590 / 222 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 1412 NATIVE DIVER LN, INDIAN TRAIL, NC 28079-5805 |
| Transaction Type | Mortgage |
| Record Updated | Mar 31, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0007980821 |
|---|---|
| Date | Feb 08, 2021 |
| Book Page | 7980/821 |
| Instrument | 5719 |
| Name | HOMETOWN LENDERS INC |
|---|---|
| Type | Mortgage Company |
| Address | HUNTSVILLE, AL 35806 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Oct 13, 2022 |
| Property Address | 1412 NATIVE DIVER LN, INDIAN TRAIL, NC 28079-5805 |
| Document Number | 0008590222 |
| Book / Page | 8590 / 222 |
| Map Reference | CAB O FILE 186 |
| Instrument Date | Oct 11, 2022 |
| Instrument | 35316 |
| Transaction Type | Transfer |
| Record Updated | Mar 31, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,050.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2927 BUTTER CHURN LN, MATTHEWS, NC 28105-7742 |
| Name | Verified Name |
|---|---|
| Address | 1412 NATIVE DIVER LN, INDIAN TRAIL, NC 28079-5805 |
| Document Number | 0000035317 |
|---|---|
| Date | Oct 13, 2022 |
| Instrument | 35317 |
| Name | DIGITAL FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.12% |
| Type Change Date | Nov 01, 2029 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 9.12% |
| Index | Other |
| Margin | 3 |
| Max Rate | 9.12% |
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 | $4,107.00 (+30.96%) | $625,700 (+66.37%) Land $101,800 Building $523,900 | $625,700 (+66.37%) Land $101,800 Building $523,900 |
| 2023 | $3,136.00 | $376,100 Land $65,000 Building $311,100 | $376,100 Land $65,000 Building $311,100 |
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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