Union County property record for 3409 Arbor Pointe Dr, Indian Trail, NC 28079
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,816 sqft · built 2001 |
| Lot Size | 0.249 acres (10,846 sqft) |
| Owner | Individual Name on File |
| Last Sale | $408,000 (Jun 2024) |
| Tax Bill | $2,147 (2025) |
| Deeds & Mortgages | Jun 2022 Sale & Mortgage Jun 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-045-239 |
| Primary APN | 07-045-239 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,816 sqft Living Area |
| Gross Area | 2,216 sqft |
| 1st Floor Area | 808 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Composition Shingle |
| Lot Area | 10,846 sqft (0.249 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3409 ARBOR POINTE DR |
|---|---|
| City | INDIAN TRAIL |
| State | NC |
| Zip | 28079-9476 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | SF-1 INDIA |
| Legal Description | #16 ARBOR GLEN PH1 OPCF PG926 |
| Legal Subdivision | ARBOR GLEN |
| Legal Lot Number | 16 |
| Jurisdiction | UNION NC |
| Township / Civil Division | VANCE |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 20320 |
3409 Arbor Pointe Dr, a rural home, is owned and occupied by an individual who bought it in June 2024.
Source: Union County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3409 ARBOR POINTE DR, INDIAN TRAIL, NC 28079-9476 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 22, 2022 | Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU |
| Jun 16, 2021 | Deed of Trust, Mortgage · VA Mortgage USAA FSB |
| Sep 1, 2017 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| May 8, 2019 | Warranty Deed, Transfer · VA Mortgage USAA FSB |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 24, 2024 · Amount on File |
| Deed Sale | Jun 24, 2024 · Amount on File |
| Prior Sale | Jun 22, 2022 · Amount on File |
| Deed Document Number | 202414438 |
| Deed Book / Page | 8926 / 285 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Jun 22, 2022 |
| Property Address | 3409 ARBOR POINTE DR, INDIAN TRAIL, NC 28079-9476 |
| Document Number | 0008507119 |
| Book / Page | 8507 / 119 |
| Map Reference | CAB F FILE 926 |
| Instrument Date | Jun 22, 2022 |
| Instrument | 22324 |
| Transaction Type | Transfer |
| Record Updated | Jul 11, 2022 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $503.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3409 ARBOR POINTE DR, INDIAN TRAIL, NC 28079-9476 |
| Document Number | 0000022325 |
|---|---|
| Date | Jun 22, 2022 |
| Instrument | 22325 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.9% |
| Type Change Date | Jul 1, 2027 |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 5.9% |
| Index | 5-Year CMT |
| Max Rate | 5.9% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 3409 ARBOR POINTE DR, INDIAN TRAIL, NC 28079-9476 |
| Transaction Type | Mortgage |
| Record Updated | Jul 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 8138223 |
|---|---|
| Date | Jun 16, 2021 |
| Book Page | 8138/223 |
| Instrument | 28417 |
| Name | USAA FSB |
|---|---|
| Type | Bank |
| Address | SAN ANTONIO, TX 78288 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 3409 ARBOR POINTE DR, INDIAN TRAIL, NC 28079-9476 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 7008124 |
|---|---|
| Date | Sep 1, 2017 |
| Book Page | 7008/124 |
| Instrument | 0025933 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OSHKOSH, WI 54902 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | May 8, 2019 |
| Property Address | 3409 ARBOR POINTE DR, INDIAN TRAIL, NC 28079-9476 |
| Document Number | 0007365522 |
| Book / Page | 7365 / 522 |
| Map Reference | CAB F FILE 926 |
| Instrument Date | May 8, 2019 |
| Instrument | 0012193 |
| Transaction Type | Transfer |
| Record Updated | Dec 14, 2021 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $496.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3409 ARBOR POINTE DR, INDIAN TRAIL, NC 28079-9476 |
| Document Number | 0000012194 |
|---|---|
| Date | May 8, 2019 |
| Instrument | 0012194 |
| Name | USAA FSB |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2049 |
The 2025 property tax bill for 3409 Arbor Pointe Dr was $2,147.
Source: Union County assessment roll, as of March 31, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Union County |
| Municipality | Indian Trail Town |
| Unified School District | Union County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $324,100 (-) Land $74,600 Building $249,500 | $324,100 (-) Land $74,600 Building $249,500 | |
| 2025 | $2,147.00 | $324,100 Land $74,600 Building $249,500 | $324,100 Land $74,600 Building $249,500 |
| 2023 | $2,038.00 | $243,000 Land $48,000 Building $195,000 | $243,000 Land $48,000 Building $195,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3409 Arbor Pointe Dr in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective September 14, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 3409 Arbor Pointe 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 322 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Ripple Fiber Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Windstream DSL · Fiber in parts of the area | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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