2425 Whispering Way, Indian Trail, NC 28079 Property Records

Union County property record for 2425 Whispering Way, Indian Trail, NC 28079

Property Summary

Property Type	Other Improved
Details	3 bd · 3 ba · 2,455 sqft · built 2020
Lot Size	0.143 acres (6,229 sqft)
Owner	Individual Name on File
Last Sale	$346,000 (Nov 2020)
Tax Bill	$3,062 (2025)
Deeds & Mortgages	May 2020 Loan Modification Jan 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-117-880`

Property Details

APN / Parcel Number

Primary APN	`07-117-880`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Building Area	2,455 sqft Living Area
1st Floor Area	1,904 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Brick
Lot Area	6,229 sqft (0.143 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2425 WHISPERING WAY
City	INDIAN TRAIL
State	NC
Zip	28079-0349
Property Category	Other
Property Type	Other > Other Improved
Local Zoning Code	SF-1 INDIA
Legal Description	#38 THE COTTAGES @ INDIAN TRAIL OPCO134-137
Legal Subdivision	THE COTTAGES AT INDIAN TRAIL
Jurisdiction	UNION NC
Township / Civil Division	VANCE
Census Block Group	1
Census Block	1016
Census Tract	20316

Owner

2425 Whispering Way is owned and occupied by an individual who bought it in November 2020.

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

Owner of Record	Individual Name on File
Mailing Address	2425 WHISPERING WAY, INDIAN TRAIL, NC 28079-0349
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

Date	Document
May 13, 2020	Loan Modification, Mortgage · Line of Credit HOMETRUST BK
Jan 4, 2019	Warranty Deed, Transfer · Commercial Mortgage THE BANK OF HAMPTON ROADS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 10, 2020 · Amount on File
Deed Sale	Nov 10, 2020 · Amount on File
Prior Sale	May 13, 2020 · Amount on File
Deed Document Number	202046421
Deed Book / Page	7880 / 763
Prior Transfer Date	Oct 5, 2020
Prior Transfer Doc	0007839455
Record Updated	Oct 29, 2026

May 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	UNION NC
Property Address	2425 WHISPERING WAY, INDIAN TRAIL, NC 28079-0349
Document Number	7666781
Instrument Date	May 13, 2020
Transaction Type	Mortgage
Record Updated	Jul 15, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2425 WHISPERING WAY INDIAN TRAIL NC 280790349, INDIAN TRAIL, NC 28079-0349

Mortgage

Document Number	7666781
Date	May 13, 2020
Book Page	007666/000781
Instrument	16382

Lender

Name	HOMETRUST BK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Jan 4, 2019
Property Address	2425 WHISPERING WAY, INDIAN TRAIL, NC 28079-0349
Document Number	0007294390
Book / Page	7294 / 390
Map Reference	CAB O FILE 134-137
Instrument Date	Jan 4, 2019
Instrument	0000258
Transaction Type	Transfer
Record Updated	Dec 14, 2021

Transaction

Amount	Amount on Record
Tax	$548.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2919 BREEZEWOOD AVE STE 400, 2919, FAYETTEVILLE, NC 28303-5283

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2919 BREEZEWOOD AVE STE 400, 400, FAYETTEVILLE, NC 28303-5283
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000259
Date	Jan 4, 2019
Instrument	0000259

Lender

Name	THE BANK OF HAMPTON ROADS
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Mortgage

Document Number	7294392
Date	Jan 4, 2019
Book Page	7294/392
Instrument	0000259

Lender

Name	THE BANK OF HAMPTON ROADS
Type	Bank
Address	RALEIGH, NC 27607

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 2425 Whispering Way was $3,062.

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		$461,600 (-) Land $91,000 Building $370,600	$461,600 (-) Land $91,000 Building $370,600
2025	$3,062.00	$461,600 Land $91,000 Building $370,600	$461,600 Land $91,000 Building $370,600
2023	$2,953.00	$352,100 Land $51,500 Building $300,600	$352,100 Land $51,500 Building $300,600

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

Flood

FEMA maps place 2425 Whispering Way 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 2425 Whispering Way 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	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 301 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
Windstream DSL · Fiber in parts of the area	200 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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