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2004 Onotoa Dr, Indian Trail, NC 28079 Property Records

Union County property record for 2004 Onotoa Dr, Indian Trail, NC 28079

Property Summary

Property TypeRural Home
Details3 bd · 2.5 ba · 2,488 sqft · built 2001
Lot Size0.414 acres (18,034 sqft)
OwnerIndividual Name on File
Last Sale$465,000 (Aug 2025)
Tax Bill$2,939 (2025)
Deeds & MortgagesNov 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN07-039-138

Property Details

APN / Parcel Number

Primary APN07-039-138

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms3 Rooms
Stories2 Stories
Building Area2,488 sqft Living Area
Gross Area2,888 sqft
1st Floor Area1,146 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2001
Effective Year BuiltEffective 2001
Architectural StyleConventional
Exterior MaterialBrick
Construction TypeWood
Foundation TypeRaised
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area18,034 sqft (0.414 acres)
Garage TypeAttached
Garage Area400 sqft
Parking Spaces2 Parking Spaces
PorchSlab
Porch Area330 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address2004 ONOTOA DR
CityINDIAN TRAIL
StateNC
Zip28079-4338
Property CategoryResidential
Property TypeResidential > Single Family > Rural Home
Local Zoning CodeSF-2 INDIA
Legal Description#98 BENT CREEK OPCF838-839
Legal SubdivisionBENT CREEK
Legal Lot Number98
JurisdictionUNION NC
Township / Civil DivisionVANCE
Census Block Group1
Census Block1037
Census Tract20305

Owner

2004 Onotoa Dr, a rural home, is owned and occupied by an individual who bought it in August 2025.

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

Owner of RecordIndividual Name on File
Mailing Address2004 ONOTOA DR, INDIAN TRAIL, NC 28079-4338
OccupancyOwner Occupied
Owner TypeIndividual
VestingMarried

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 25, 2025 · Amount on File
Deed SaleAug 25, 2025 · Amount on File
Prior SaleMar 16, 2007 · Amount on File
Deed Document Number202521858
Deed Book / Page9186 / 40
Prior Transfer DateNov 4, 2020
Prior Transfer Doc787838
Record UpdatedOct 29, 2026

November 2020: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionUNION NC
Recording DateNov 9, 2020
Property Address2004 ONOTOA DR, INDIAN TRAIL, NC 28079-4338
Document Number0000787838
Book / Page7878 / 38
Map ReferenceCAB F FILE 838&839
Instrument DateNov 4, 2020
Instrument46033
Transaction TypeTransfer
Record UpdatedDec 14, 2021

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2004 ONOTOA DR, INDIAN TRAIL, NC 28079-4338

Mortgage

Document Number0000046034
DateNov 9, 2020
Instrument46034
Lender
NameUWHARRIE BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueDec 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 2004 Onotoa Dr was $2,939.

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

Property Jurisdictions

TypeName
StateNorth Carolina
CountyUnion County
MunicipalityIndian Trail Town
Unified School DistrictUnion County Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$445,100 (-) Land $80,600 Building $364,500$445,100 (-) Land $80,600 Building $364,500
2025$2,939.00$445,100 Land $80,600 Building $364,500$445,100 Land $80,600 Building $364,500
2023$2,485.00$297,700 Land $50,200 Building $247,500$297,700 Land $50,200 Building $247,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2004 Onotoa Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2003.

Source: FEMA National Flood Hazard Layer, effective September 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies7 in force
Nearby Flood Claims1 (2003)
Most Recent ClaimAug 2003 · tidal / storm surge

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

Wildfire risk around 2004 Onotoa Dr is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood0.01% annual chance
ExposureDirect
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 SystemUNION COUNTY WATER SYSTEM
serves 169,685 people · EPA ID NC0190413
Water SourceSurface water
Last State InspectionMay 2026
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityE. coli
resolved · Mar 2020
Haloacetic acids
resolved · Jul 2017
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 47 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Windstream
Fiber		2,000 / 2,000
Ripple Fiber
Fiber		2,000 / 2,000
Spectrum
Cable		1,000 / 35
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

May also be available: AT&T.

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