2020 Canopy Dr, Indian Trail, NC 28079 Property Records

Union County property record for 2020 Canopy Dr, Indian Trail, NC 28079

Property Summary

Property Type	Rural Home
Details	4 bd · 3.5 ba · 2,987 sqft · built 2007
Lot Size	0.313 acres (13,634 sqft)
Owner	Individual Name on File
Last Sale	$495,000 (Aug 2023)
Tax Bill	$3,408 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-091-009`

Property Details

APN / Parcel Number

Primary APN	`07-091-009`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,987 sqft Living Area
1st Floor Area	1,248 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Conventional
Construction Type	Wood
Roof Type	Gable
Lot Area	13,634 sqft (0.313 acres)
Garage Type	Attached
Garage Area	540 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	203 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2020 CANOPY DR
City	INDIAN TRAIL
State	NC
Zip	28079-3760
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	SF-4 INDIA
Legal Description	#32 THE GARDEN @ BRANDON OAKS PH9 MP5 BLK20 OPCK161
Legal Subdivision	BRANDON OAKS - GARDENS (THE)
Legal Block	20
Jurisdiction	UNION NC
Township / Civil Division	VANCE
Census Block Group	3
Census Block	3000
Census Tract	20317

Owner

2020 Canopy Dr, a rural home, is owned and occupied by an individual who bought it in August 2023.

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

Owner of Record	Individual Name on File
Mailing Address	2020 CANOPY DR, INDIAN TRAIL, NC 28079-3760
Occupancy	Owner Occupied
Owner Type	Individual

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 Names	Name on Deed
Last Sale	Aug 22, 2023 · Amount on File
Deed Sale	Aug 22, 2023 · Amount on File
Prior Sale	Sep 7, 2016 · Amount on File
Deed Document Number	202320414
Deed Book / Page	8767 / 799
Prior Transfer Date	Sep 4, 2013
Prior Transfer Doc	6106828
Record Updated	Oct 29, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Aug 22, 2023
Property Address	2020 CANOPY DR, INDIAN TRAIL, NC 28079-3760
Document Number	0008767799
Book / Page	8767 / 799
Map Reference	CAB K FILE 161
Instrument Date	Aug 22, 2023
Instrument	20414
Transaction Type	Transfer
Record Updated	Sep 8, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$990.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4058 HOLLY VILLA CIR, INDIAN TRAIL, NC 28079-3726

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2020 CANOPY DR, INDIAN TRAIL, NC 28079-3760

Mortgage

Document Number	0000020415
Date	Aug 22, 2023
Instrument	20415

Lender

Name	FOUNDERS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.62%
Type Change Date	Sep 1, 2030
Change Frequency	Annually
Min Rate At Change	4.62%
Max Rate At Change	8.62%
Index	10-Year TN
Max Rate	12.6%

Tax Assessment & Valuation

The 2025 property tax bill for 2020 Canopy Dr was $3,408.

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		$512,200 (-) Land $96,900 Building $415,300	$512,200 (-) Land $96,900 Building $415,300
2025	$3,408.00	$512,200 Land $96,900 Building $415,300	$512,200 Land $96,900 Building $415,300
2023	$2,722.00 (+35.69%)	$323,500 (+0.34%) Land $57,900 Building $265,600	$323,500 (+0.34%) Land $57,900 Building $265,600
2022	$2,006.00	$322,400 Land $57,900 Building $264,500	$322,400 Land $57,900 Building $264,500

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

Flood

FEMA maps place 2020 Canopy Dr in Zone X, an area of minimal flood risk.

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	2 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

Wildfire risk around 2020 Canopy 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 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 304 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ripple Fiber Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20