Union County property record for 3801 Ruth St, Indian Trail, NC 28079
| Property Type | Rural Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,022 sqft · built 1997 |
| Lot Size | 0.45 acres (19,602 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $285,000 (Aug 2007) |
| Tax Bill | $3,912 (2025) |
| Deeds & Mortgages | May 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-063-838 |
| Primary APN | 07-063-838 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 3,022 sqft Living Area |
| Gross Area | 3,562 sqft |
| 1st Floor Area | 1,366 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 19,602 sqft (0.45 acres) |
| Garage Type | Attached |
| Garage Area | 540 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | Deck Area |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3801 RUTH ST |
|---|---|
| City | INDIAN TRAIL |
| State | NC |
| Zip | 28079-7522 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | R-17 LAKE |
| Legal Description | #94 LAKE PARK PHASE 4B MAP 2 VONDA CT |
| Legal Subdivision | LAKE PARK |
| Legal Lot Number | 94 |
| Jurisdiction | UNION NC |
| Township / Civil Division | VANCE |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 20318 |
3801 Ruth St, a rural home, is owned and occupied by two individuals who bought it in August 2007.
Source: Union County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3801 RUTH ST, INDIAN TRAIL, NC 28079-7522 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 1, 2007 · Amount on File |
| Deed Sale | Aug 1, 2007 · Amount on File |
| Prior Sale | Dec 21, 2000 · Amount on File |
| Deed Document Number | 200734669 |
| Deed Book / Page | 4643 / 637 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 3801 RUTH ST, INDIAN TRAIL, NC 28079-7522 |
| Transaction Type | Mortgage |
| Record Updated | Dec 2, 2025 |
| Title Company | STEWART TITLE, STEWART TTL GUARANTY NON CA |
| Name | Verified Name |
|---|---|
| Address | 3801 RUTH ST, INDIAN TRAIL, NC 28079-7522 |
| Document Number | 0008699866 |
|---|---|
| Date | May 1, 2023 |
| Book Page | 8699/866 |
| Instrument | 10123 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | 26592 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 3801 Ruth St was $3,912.
Source: Union County assessment roll, as of March 31, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Union County |
| Municipality | Lake Park Village |
| Unified School District | Union County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $590,800 (-) Land $100,500 Building $490,300 | $590,800 (-) Land $100,500 Building $490,300 | |
| 2025 | $3,912.00 | $590,800 Land $100,500 Building $490,300 | $590,800 Land $100,500 Building $490,300 |
| 2023 | $3,067.00 | $367,500 Land $57,000 Building $310,500 | $367,500 Land $57,000 Building $310,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3801 Ruth St 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 | 3 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 risk around 3801 Ruth St is low, with less than 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 99.1% of the US · lower than 99.5% of North Carolina |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 344 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
May also be available: Windstream.
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