2003 Emerson Ln, Indian Trail, NC 28079 Property Records

Union County property record for 2003 Emerson Ln, Indian Trail, NC 28079

Property Summary

Property Type	Rural Home
Details	4 bd · 2.5 ba · 2,534 sqft · built 2006
Lot Size	0.216 acres (9,409 sqft)
Owner	Individual Name on Record
Last Sale	$259,000 (Dec 2006)
Tax Bill	$3,113 (2025)
Deeds & Mortgages	May 2023 Transfer Jun 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-021-562`

Property Details

APN / Parcel Number

Primary APN	`07-021-562`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,534 sqft Living Area
1st Floor Area	1,264 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable
Lot Area	9,409 sqft (0.216 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2003 EMERSON LN
City	INDIAN TRAIL
State	NC
Zip	28079-8476
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	SF-5 INDIA
Legal Description	#156 ANNADALE MP2 OPCJ274
Legal Subdivision	ANNANDALE
Jurisdiction	UNION NC
Township / Civil Division	VANCE
Census Block Group	2
Census Block	2023
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	Individual Name on Record
Mailing Address	2003 EMERSON LN, INDIAN TRAIL, NC 28079-8476
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 23, 2023	Intrafamily Transfer, Transfer
Jun 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Aug 30, 2019	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 27, 2006 · Amount on Record
Deed Sale	Dec 27, 2006 · Amount on Record
Deed Document Number	200659442
Deed Book / Page	4412 / 705
Last Transfer Date	May 23, 2023
Transfer Doc	0008712859
Record Updated	Oct 29, 2026

May 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	UNION NC
Recording Date	May 23, 2023
Property Address	2003 EMERSON LN, INDIAN TRAIL, NC 28079-8476
Document Number	0008712859
Book / Page	8712 / 859
Instrument Date	May 23, 2023
Instrument	12108
Transaction Type	Transfer
Record Updated	Jun 12, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2003 EMERSON LN, INDIAN TRAIL, NC 28079-8476

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2003 EMERSON LN, INDIAN TRAIL, NC 28079-8476

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	2003 EMERSON LN, INDIAN TRAIL, NC 28079-8476
Transaction Type	Mortgage
Record Updated	Jul 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	8151196
Date	Jun 28, 2021
Book Page	8151/196
Instrument	30419

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2036

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	2003 EMERSON LN, INDIAN TRAIL, NC 28079-8476
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7453657
Date	Aug 30, 2019
Book Page	7453/657
Instrument	0026035

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	205 Months
Due	Sep 1, 2036

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		$473,400 (-) Land $99,400 Building $374,000	$473,400 (-) Land $99,400 Building $374,000
2025	$3,113.00 (+24.67%)	$473,400 (+58.22%) Land $99,400 Building $374,000	$473,400 (+58.22%) Land $99,400 Building $374,000
2023	$2,497.00	$299,200 Land $59,600 Building $239,600	$299,200 Land $59,600 Building $239,600

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Windstream Fiber · DSL in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Ripple Fiber.

Cell Coverage

5G (outdoors only) and 4G LTE

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