2023 Terrapin St, Indian Trail, NC 28079 Property Records

Union County property record for 2023 Terrapin St, Indian Trail, NC 28079

Property Summary

Property Type	Rural Home
Details	4 bd · 2.5 ba · 2,515 sqft · built 2008
Lot Size	0.269 acres (11,718 sqft)
Owner	2 Individual Names on Record
Last Sale	$272,500 (Aug 2018)
Tax Bill	$3,198 (2025)
Deeds & Mortgages	Dec 2022 Line of Credit Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-021-599`

Property Details

APN / Parcel Number

Primary APN	`07-021-599`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,515 sqft Living Area
1st Floor Area	1,134 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Architectural Style	Conventional
Construction Type	Wood
Roof Type	Hip
Lot Area	11,718 sqft (0.269 acres)
Garage Type	Attached
Garage Area	380 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	448 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2023 TERRAPIN ST
City	INDIAN TRAIL
State	NC
Zip	28079-8485
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	SF-5 INDIA
Legal Description	#97 ANNANDALE MP3 OPCJ369
Legal Subdivision	ANNANDALE
Jurisdiction	UNION NC
Township / Civil Division	VANCE
Census Block Group	2
Census Block	2025
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	2023 TERRAPIN ST, INDIAN TRAIL, NC 28079-8485
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 14, 2022	Deed of Trust, Mortgage · Line of Credit TRULIANT FCU
Dec 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST FEDERAL BANK OF KANSAS CITY
Aug 10, 2018	Warranty Deed, Transfer · Conventional with PMI BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 10, 2018 · Amount on Record
Deed Sale	Aug 10, 2018 · Amount on Record
Prior Sale	Sep 26, 2008 · Amount on Record
Deed Document Number	201822631
Deed Book / Page	7214 / 479
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	2023 TERRAPIN ST, INDIAN TRAIL, NC 28079-8485
Transaction Type	Mortgage
Record Updated	Dec 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008624304
Date	Dec 14, 2022
Book Page	8624/304
Instrument	40723

Lender

Name	TRULIANT FCU
Type	Credit Union
Address	WINSTON SALEM, NC 27103

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Dec 1, 2042

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	2023 TERRAPIN ST, INDIAN TRAIL, NC 28079-8485
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7933798
Date	Dec 28, 2020
Book Page	7933/798
Instrument	53913

Lender

Name	FIRST FEDERAL BANK OF KANSAS CITY
Type	Bank
Address	KANSAS CITY, MO 64120

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Aug 10, 2018
Property Address	2023 TERRAPIN ST, INDIAN TRAIL, NC 28079-8485
Document Number	7214479
Book / Page	007214 / 000479
Instrument Date	Aug 10, 2018
Instrument	22631
Transaction Type	Transfer
Record Updated	Aug 24, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$545.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2023 TERRAPIN ST INDIAN TRAIL NC 280798485, INDIAN TRAIL, NC 28079-8485

Mortgage

Document Number	7214481
Date	Aug 10, 2018
Book Page	007214/000481
Instrument	22632

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 9, 2048

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		$485,200 (-) Land $99,400 Building $385,800	$485,200 (-) Land $99,400 Building $385,800
2025	$3,198.00 (+26%)	$485,200 (+59.5%) Land $99,400 Building $385,800	$485,200 (+59.5%) Land $99,400 Building $385,800
2023	$2,538.00	$304,200 Land $59,600 Building $244,600	$304,200 Land $59,600 Building $244,600

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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