1618 Garrett Rd, Indian Trail, NC 28079 Property Records

Union County property record for 1618 Garrett Rd, Indian Trail, NC 28079

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 3,069 sqft · built 1991
Lot Size	2.24 acres (97,574 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,641 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Mar 2017 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`08-288-011A`

Property Details

APN / Parcel Number

Primary APN	`08-288-011A`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	3,069 sqft Living Area
Gross Area	1,624 sqft
1st Floor Area	1,176 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Cape Cod
Exterior Material	Brick
Construction Type	Wood
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	97,574 sqft (2.24 acres)
Garage Type	Detached
Garage Area	1,228 sqft
Parking Spaces	5 Parking Spaces
Porch	Slab
Porch Area	273 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	1618 GARRETT RD
City	INDIAN TRAIL
State	NC
Zip	28079-8739
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA-40 FAIR
Legal Description	P/2 & P/3 BRASWELL
Jurisdiction	UNION NC
Township / Civil Division	GOOSE CREEK
Census Block Group	2
Census Block	2001
Census Tract	20204

Owner

Source: Union County records, as of July 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	1618 GARRETT RD, INDIAN TRAIL, NC 28079-8739
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 16, 2022	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Mar 2, 2017	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Oct 11, 2018	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Feb 5, 2020	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
Sep 29, 2017	Loan Modification, Mortgage · Conventional Mortgage SUNTRUST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jan 31, 2011
Transfer Doc	0005488062
Record Updated	Sep 20, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1618 GARRETT RD, INDIAN TRAIL, NC 28079-8739
Transaction Type	Mortgage
Record Updated	Mar 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008401210
Date	Feb 16, 2022
Book Page	8401/210
Instrument	5966

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

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

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1618 GARRETT RD, INDIAN TRAIL, NC 28079-8739
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERICAN TITLE TEAM 2

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	6886120
Date	Mar 2, 2017
Book Page	6886/120
Instrument	0005752

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Feb 17, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1618 GARRETT RD, INDIAN TRAIL, NC 28079-8739
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7250416
Date	Oct 11, 2018
Book Page	7250/416
Instrument	0028683

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1618 GARRETT RD, INDIAN TRAIL, NC 28079-8739
Document Number	7582236
Instrument Date	Feb 5, 2020
Transaction Type	Mortgage
Record Updated	Mar 4, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1618 GARRETT RD INDIAN TRAIL NC 280798739, INDIAN TRAIL, NC 28079-8739

Mortgage

Document Number	7582236
Date	Feb 11, 2020
Book Page	007582/000236
Instrument	4542

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Feb 10, 2050

September 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	UNION NC
Property Address	1618 GARRETT RD, INDIAN TRAIL, NC 28079-8739
Document Number	7032206
Instrument Date	Sep 29, 2017
Transaction Type	Mortgage
Record Updated	Aug 28, 2018
Title Company	AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1618 GARRETT RD INDIAN TRAIL NC 280798739, INDIAN TRAIL, NC 28079-8739

Mortgage

Document Number	7032206
Date	Oct 11, 2017
Book Page	007032/000206
Instrument	29937

Lender

Name	SUNTRUST BK
Type	Bank
Address	DURHAM, NC 27701

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 10, 2047

Tax Assessment & Valuation

Source: Union County assessment roll, as of March 31, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Union County
Municipality	Fairview Town
Unified School District	Union County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,641.00 (+7.62%)	$517,200 (+38.73%) Land $147,500 Building $369,700	$517,200 (+38.73%) Land $147,500 Building $369,700
2023	$2,454.00	$372,800 Land $56,900 Building $315,900	$372,800 Land $56,900 Building $315,900

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	3 (2015–2018)
Most Recent Claim	Sep 2018 · Hurricane Florence
Claims by Event	Hurricane Florence, Sep 2018 · 2 claims

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Windstream DSL	200 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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