4105 Oconnell St, Indian Trail, NC 28079 Property Records

Union County property record for 4105 Oconnell St, Indian Trail, NC 28079

Property Summary

Property Type	Rural Home
Details	4 bd · 2.5 ba · 3,362 sqft · built 2012
Lot Size	0.612 acres (26,659 sqft)
Owner	2 Individual Names on Record
Last Sale	$247,000 (Feb 2013)
Tax Bill	$5,309 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-300-218`

Property Details

APN / Parcel Number

Primary APN	`08-300-218`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	3,362 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Architectural Style	Conventional
Construction Type	Wood
Roof Type	Gable
Lot Area	26,659 sqft (0.612 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	49 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4105 OCONNELL ST
City	INDIAN TRAIL
State	NC
Zip	28079-6792
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	CD MONROE
Legal Description	LOT#28-C GLENDALOUGH PH3B OPCL720
Legal Subdivision	GLENDALOUGH
Legal Lot Number	28
Jurisdiction	UNION NC
Township / Civil Division	GOOSE CREEK
Census Block Group	1
Census Block	1014
Census Tract	20205

Owner

Source: Union County records, as of March 31, 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	4105 OCONNELL ST, INDIAN TRAIL, NC 28079-6792
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 23, 2022	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Jul 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage EVERETT FINANCIAL INC
May 25, 2017	Deed of Trust, Mortgage · Line of Credit STATE EMPS FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 8, 2013 · Amount on Record
Deed Sale	Feb 8, 2013 · Amount on Record
Deed Document Number	20134539
Deed Book / Page	5933 / 581
Record Updated	Jun 8, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	4105 OCONNELL ST, INDIAN TRAIL, NC 28079-6792
Transaction Type	Mortgage
Record Updated	Sep 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000085551
Date	Aug 23, 2022
Book Page	8555/1
Instrument	29821

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	CHARLOTTE, NC 28227

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	4105 OCONNELL ST, INDIAN TRAIL, NC 28079-6792
Transaction Type	Mortgage
Record Updated	Aug 24, 2022
Title Company	ADVANTAGE TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008181444
Date	Jul 23, 2021
Book Page	8181/444
Instrument	34900

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company
Address	DALLAS, TX 75254

Agreement

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

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	4105 OCONNELL ST, INDIAN TRAIL, NC 28079-6792
Document Number	694269
Book / Page	006942 / 000069
Instrument Date	May 25, 2017
Transaction Type	Mortgage
Record Updated	Jul 14, 2017
Title Company	LENDER RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4105 OCONNELL ST INDIAN TRAIL NC 280796792, INDIAN TRAIL, NC 28079-6792

Mortgage

Document Number	694269
Date	May 31, 2017
Book Page	006942/000069
Instrument	15039

Lender

Name	STATE EMPS FCU
Type	Credit Union
Address	ASHEVILLE, NC 28803

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Union County assessment roll, as of March 31, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Union County
Municipality	Monroe City
Unified School District	Union County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,309.00 (+34.54%)	$607,400 (+67.84%) Land $82,600 Building $524,800	$607,400 (+67.84%) Land $82,600 Building $524,800
2023	$3,946.00	$361,900 Land $57,800 Building $304,100	$361,900 Land $57,800 Building $304,100

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	4 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	Direct burnable vegetation

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 208 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Windstream.

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