3004 Potomac Rd, Indian Trail, NC 28079 Property Records

Union County property record for 3004 Potomac Rd, Indian Trail, NC 28079

Property Summary

Property Type	Rural Home
Details	5 bd · 2.5 ba · 2,737 sqft · built 2007
Lot Size	0.213 acres (9,278 sqft)
Owner	Individual Name on File
Last Sale	$530,000 (Jul 2023)
Tax Bill	$3,399 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Feb 2023 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`07-021-581`

Property Details

APN / Parcel Number

Primary APN	`07-021-581`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,737 sqft Living Area
1st Floor Area	1,300 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	9,278 sqft (0.213 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	79 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3004 POTOMAC RD
City	INDIAN TRAIL
State	NC
Zip	28079-8482
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	SF-5 INDIA
Legal Description	#67 ANNANDALE MP3 OPCJ368
Legal Subdivision	ANNANDALE
Jurisdiction	UNION NC
Township / Civil Division	VANCE
Census Block Group	2
Census Block	2017
Census Tract	20305

Owner

3004 Potomac Rd, a rural home, is owned and occupied by an individual who bought it in July 2023.

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

Owner of Record	Individual Name on File
Mailing Address	3004 POTOMAC RD, INDIAN TRAIL, NC 28079-8482
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
Jul 26, 2023	Warranty Deed, Transfer · VA Mortgage FREEDOM MORTGAGE CORP
Feb 15, 2023	Deed of Trust, Mortgage · Line of Credit SKYLA FCU
Jan 24, 2022	Deed, Transfer · Conventional Mortgage PRIMELENDING
Oct 2, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage PRIMELENDING
Apr 16, 2018	Warranty Deed, Transfer · Conventional with PMI UWHARRIE BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 26, 2023 · Amount on File
Deed Sale	Jul 26, 2023 · Amount on File
Prior Sale	Apr 16, 2018 · Amount on File
Deed Document Number	202317875
Deed Book / Page	8751 / 296
Prior Transfer Date	Sep 25, 2020
Prior Transfer Doc	7833684
Record Updated	Oct 29, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Jul 26, 2023
Property Address	3004 POTOMAC RD, INDIAN TRAIL, NC 28079-8482
Document Number	0008751296
Book / Page	8751 / 296
Map Reference	CAB J FILE 368
Instrument Date	Jul 26, 2023
Instrument	17875
Transaction Type	Transfer
Record Updated	Aug 14, 2023
Title Company	SURE TITLE COMPANY LLC, SCRE TITLE COMPANY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,060.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1430 AINSLIE PLACE RD, INDIAN TRAIL, NC 28079-5835

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3004 POTOMAC RD, INDIAN TRAIL, NC 28079-8482

Mortgage

Document Number	0000017876
Date	Jul 26, 2023
Instrument	17876

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	3004 POTOMAC RD, INDIAN TRAIL, NC 28079-8482
Transaction Type	Mortgage
Record Updated	Mar 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000865614
Date	Feb 15, 2023
Book Page	8656/14
Instrument	3495

Lender

Name	SKYLA FCU
Type	Credit Union
Address	CHARLOTTE, NC 28204

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Feb 14, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	UNION NC
Recording Date	Jan 24, 2022
Property Address	3004 POTOMAC RD, INDIAN TRAIL, NC 28079-8482
Document Number	0008380200
Book / Page	8380 / 200
Map Reference	CAB J FILE 368
Instrument Date	Oct 26, 2020
Instrument	2798
Transaction Type	Transfer
Record Updated	Feb 10, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3004 POTOMAC RD, INDIAN TRAIL, NC 28079-8482

Mortgage

Document Number	0000002799
Date	Jan 24, 2022
Instrument	2799

Lender

Name	PRIMELENDING
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

October 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	UNION NC
Recording Date	Oct 2, 2020
Property Address	3004 POTOMAC RD, INDIAN TRAIL, NC 28079-8482
Document Number	0007833684
Book / Page	7833 / 684
Map Reference	CAB J FILE 368
Instrument Date	Sep 25, 2020
Instrument	39852
Transaction Type	Transfer
Record Updated	Dec 14, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3004 POTOMAC RD, INDIAN TRAIL, NC 28079-8482

Mortgage

Document Number	0000039853
Date	Oct 2, 2020
Instrument	39853

Lender

Name	PRIMELENDING
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2050

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Apr 16, 2018
Property Address	3004 POTOMAC RD, INDIAN TRAIL, NC 28079-8482
Document Number	7137763
Book / Page	007137 / 000763
Instrument Date	Apr 16, 2018
Instrument	9897
Transaction Type	Transfer
Record Updated	Jul 9, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$626.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	3004 POTOMAC RD INDIAN TRAIL NC 280798482, INDIAN TRAIL, NC 28079-8482

Mortgage

Document Number	7137765
Date	Apr 16, 2018
Book Page	007137/000765
Instrument	9898

Lender

Name	UWHARRIE BK
Type	Bank
Address	ALBEMARIE, NC 28001

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 15, 2048

Mortgage

Document Number	7137777,
Date	Apr 16, 2018
Book Page	007137/000777
Instrument	9899

Lender

Name	HOUSING FIN AGCY
Address	RALEIGH, NC 27611-8066

Agreement

Amount	Amount on Record
Term	180 Months
Due	Apr 15, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 3004 Potomac Rd was $3,399.

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		$516,200 (-) Land $99,400 Building $416,800	$516,200 (-) Land $99,400 Building $416,800
2025	$3,399.00	$516,200 Land $99,400 Building $416,800	$516,200 Land $99,400 Building $416,800
2023	$2,770.00 (+31.78%)	$332,600 (-) Land $59,600 Building $273,000	$332,600 (-) Land $59,600 Building $273,000
2022	$2,102.00	$332,600 Land $59,600 Building $273,000	$332,600 Land $59,600 Building $273,000

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

Flood

FEMA maps place 3004 Potomac Rd 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	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

Wildfire risk around 3004 Potomac Rd 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 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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