1508 Native Diver Ln, Indian Trail, NC 28079 Property Records

Union County property record for 1508 Native Diver Ln, Indian Trail, NC 28079

Property Summary

Property Type	Other Improved
Details	5 bd · 4.5 ba · 3,652 sqft · built 2020
Lot Size	0.168 acres (7,318 sqft)
Owner	2 Individual Names on Record
Last Sale	$670,000 (Oct 2025)
Tax Bill	$4,289 (2025)
Deeds & Mortgages	Dec 2022 Line of Credit Oct 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-022-078`

Property Details

APN / Parcel Number

Primary APN	`07-022-078`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Building Area	3,652 sqft Living Area
1st Floor Area	1,664 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Lot Area	7,318 sqft (0.168 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1508 NATIVE DIVER LN
City	INDIAN TRAIL
State	NC
Zip	28079-5807
Property Category	Other
Property Type	Other > Other Improved
Local Zoning Code	SF-5 INDIA
Legal Description	#929 BONTERRA PH4 MAP3 OPCO222-227
Legal Subdivision	BONTERRA VILLAGE SUBDIVISION
Jurisdiction	UNION NC
Township / Civil Division	VANCE
Census Block Group	2
Census Block	2033
Census Tract	20305

Owner

Source: Union County records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1508 NATIVE DIVER LN, INDIAN TRAIL, NC 28079-5807
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Oct 1, 2025	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 8, 2024	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 1, 2025 · Amount on Record
Deed Sale	Oct 1, 2025 · Amount on Record
Prior Sale	Aug 8, 2024 · Amount on Record
Deed Document Number	202525546
Deed Book / Page	9212 / 442
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1508 NATIVE DIVER LN, INDIAN TRAIL, NC 28079-5807
Transaction Type	Mortgage
Record Updated	Mar 31, 2026
Title Company	WFG LENDER SERVICES, WFG LENDER SERVICES RESWARE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008632703
Date	Dec 29, 2022
Book Page	8632/703
Instrument	41992

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 9, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Oct 1, 2025
Property Address	1508 NATIVE DIVER LN, INDIAN TRAIL, NC 28079-5807
Document Number	0009212442
Book / Page	9212 / 442
Map Reference	CAB O FILE 222-227
Instrument Date	Sep 26, 2025
Instrument	25546
Transaction Type	Transfer
Record Updated	Mar 31, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,340.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1006 THURSTON DR, INDIAN TRAIL, NC 28079-5789

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1508 NATIVE DIVER LN, INDIAN TRAIL, NC 28079-5807

Mortgage

Document Number	0000025547
Date	Oct 1, 2025
Instrument	25547

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.49%
Type Change Date	Oct 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.4%
Index	SOFR Average 30-Day
Max Rate	10.4%

August 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Aug 8, 2024
Property Address	1508 NATIVE DIVER LN, INDIAN TRAIL, NC 28079-5807
Document Number	0008954293
Book / Page	8954 / 293
Map Reference	CAB O FILE 222-227
Instrument Date	Aug 8, 2024
Instrument	18625
Transaction Type	Transfer
Record Updated	Mar 31, 2026
Title Company	CAROLINA TITLE SERVICES, CAROLINA TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,300.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	400 LANCASTER AVE, MONROE, NC 28112-5960

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1508 NATIVE DIVER LN, INDIAN TRAIL, NC 28079-5807

Mortgage

Document Number	0000018626
Date	Aug 8, 2024
Instrument	18626

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2054

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		$653,800 (-) Land $101,800 Building $552,000	$653,800 (-) Land $101,800 Building $552,000
2025	$4,289.00 (+30.25%)	$653,800 (+66.87%) Land $101,800 Building $552,000	$653,800 (+66.87%) Land $101,800 Building $552,000
2024	$3,293.00 (+0.86%)	$391,800 (-) Land $65,000 Building $326,800
2023	$3,265.00	$391,800 Land $65,000 Building $326,800	$391,800 (-) Land $65,000 Building $326,800
2021			$391,800 Land $65,000 Building $326,800

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	Direct burnable vegetation

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 254 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Ripple Fiber, Windstream.

Cell Coverage

5G (outdoors only) and 4G LTE

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