2004 Potomac Rd, Indian Trail, NC 28079 Property Records

Union County property record for 2004 Potomac Rd, Indian Trail, NC 28079

Property Summary

Property Type	Rural Home
Details	4 bd · 2.5 ba · 2,644 sqft · built 2007
Lot Size	0.193 acres (8,407 sqft)
Owner	2 Individual Names on Record
Last Sale	$280,000 (Jun 2014)
Tax Bill	$3,286 (2025)
Deeds & Mortgages	May 2022 Mortgage May 2017 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`07-021-577`

Property Details

APN / Parcel Number

Primary APN	`07-021-577`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,644 sqft Living Area
1st Floor Area	1,396 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Wood
Roof Type	Hip
Lot Area	8,407 sqft (0.193 acres)
Garage Type	Attached
Garage Area	419 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	390 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	2004 POTOMAC RD
City	INDIAN TRAIL
State	NC
Zip	28079-8481
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	SF-5 INDIA
Legal Description	#71 ANNANDALE MP3 OPCJ368
Legal Subdivision	ANNANDALE
Jurisdiction	UNION NC
Township / Civil Division	VANCE
Census Block Group	2
Census Block	2017
Census Tract	20305

Owner

Source: Union County records, as of October 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	2004 POTOMAC RD, INDIAN TRAIL, NC 28079-8481
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 6, 2022	Deed of Trust, Mortgage · FHA Mortgage M & T BANK
May 4, 2017	Loan Modification, Mortgage · FHA Mortgage LAKEVIEW LN SERVICING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2014 · Amount on Record
Deed Sale	Jun 30, 2014 · Amount on Record
Prior Sale	Feb 15, 2008 · Amount on Record
Deed Document Number	201416439
Deed Book / Page	6253 / 504
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	2004 POTOMAC RD, INDIAN TRAIL, NC 28079-8481
Transaction Type	Mortgage
Record Updated	May 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2004 POTOMAC RD, INDIAN TRAIL, NC 28079-8481

Mortgage

Document Number	0008472521
Date	May 6, 2022
Book Page	8472/521
Instrument	16854

Lender

Name	M & T BANK
Type	Bank
Address	GETZVILLE, NY 14068

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Jun 1, 2051

May 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	UNION NC
Property Address	2004 POTOMAC RD, INDIAN TRAIL, NC 28079-8481
Document Number	6951825
Book / Page	006951 / 000825
Instrument Date	May 4, 2017
Transaction Type	Mortgage
Record Updated	Jan 22, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2004 POTOMAC RD INDIAN TRAIL NC 280798481, INDIAN TRAIL, NC 28079-8481

Mortgage

Document Number	6951825
Date	Jun 14, 2017
Book Page	006951/000825
Instrument	16551

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 13, 2047

Interest

Rate Type	Fixed Rate

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		$498,800 (-) Land $99,400 Building $399,400	$498,800 (-) Land $99,400 Building $399,400
2025	$3,286.00 (+26.05%)	$498,800 (+59.56%) Land $99,400 Building $399,400	$498,800 (+59.56%) Land $99,400 Building $399,400
2023	$2,607.00	$312,600 Land $59,600 Building $253,000	$312,600 Land $59,600 Building $253,000

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 54 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, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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