411 Clearwater Dr, Indian Trail, NC 28079 Property Records

Union County property record for 411 Clearwater Dr, Indian Trail, NC 28079

Property Summary

Property Type	Other Improved
Details	4 bd · 2.5 ba · 1,892 sqft · built 2023
Lot Size	0.422 acres (18,382 sqft)
Owner	2 Individual Names on File
Last Sale	$435,000 (Mar 2024)
Tax Bill	$3,757 (2025)
Deeds & Mortgages	Mar 2024 Sale & Mortgage May 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-057-275`

Property Details

APN / Parcel Number

Primary APN	`07-057-275`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,892 sqft Living Area
1st Floor Area	856 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Lot Area	18,382 sqft (0.422 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	411 CLEARWATER DR
City	INDIAN TRAIL
State	NC
Zip	28079
Property Category	Other
Property Type	Other > Other Improved
Local Zoning Code	SF-1 INDIA
Legal Description	#1 HEMBY ACRES SEC4 BLKB PB06 PG150
Legal Subdivision	HEMBY ACRES
Legal Block	B
Legal Lot Number	1
Jurisdiction	UNION NC
Township / Civil Division	VANCE
Census Block Group	2
Census Block	2020
Census Tract	20310

Owner

411 Clearwater Dr is owned and occupied by two individuals who bought it in March 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	411 CLEARWATER DR, INDIAN TRAIL, NC 28079
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
Mar 1, 2024	Warranty Deed, Subdivision Related Transfer · FHA Mortgage ROCKET MORTGAGE LLC
May 19, 2023	Warranty Deed, Transfer · Commercial Mortgage DOMINION FINANCIAL SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 1, 2024 · Amount on File
Deed Sale	Mar 1, 2024 · Amount on File
Prior Sale	May 19, 2023 · Amount on File
Deed Document Number	20244585
Deed Book / Page	8862 / 581
Prior Transfer Date	Sep 29, 2004
Prior Transfer Doc	0000040773
Record Updated	Oct 29, 2026

March 2024: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Mar 1, 2024
Property Address	411 CLEARWATER DR, INDIAN TRAIL, NC 28079
Document Number	0008862581
Book / Page	8862 / 581
Map Reference	CAB 6 PG 150
Instrument Date	Mar 1, 2024
Instrument	4585
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 31, 2026
Title Company	SOUTH MIAMI TITLE COMPANY, SOUTH CITY TITLE COMPANY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$870.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1910 SOUTH BLVD # 210, 210, CHARLOTTE, NC 28203-4787

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	411 CLEARWATER DR, INDIAN TRAIL, NC 28079

Mortgage

Document Number	0000004586
Date	Mar 1, 2024
Instrument	4586

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2054

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	May 19, 2023
Property Address	411 CLEARWATER DR, INDIAN TRAIL, NC 28079
Document Number	0008711381
Book / Page	8711 / 381
Map Reference	CAB 6 PG 150
Instrument Date	Apr 27, 2023
Instrument	11860
Transaction Type	Transfer
Record Updated	Mar 31, 2026

Transaction

Amount	Amount on Record
Tax	$116.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15545 THOMPSON RD, MINT HILL, NC 28227-1531

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1800 CAMDEN RD STE 107-24, 107, CHARLOTTE, NC 28203-0001
Investor	Possibly a Property Investor

Mortgage

Document Number	0000011861
Date	May 19, 2023
Instrument	11861

Lender

Name	DOMINION FINANCIAL SERVICES LLC
Type	Funding / Finance Company

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	12 Months
Due	May 18, 2024

Tax Assessment & Valuation

The 2025 property tax bill for 411 Clearwater Dr was $3,757.

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		$580,900 (-) Land $55,000 Building $525,900	$580,900 (-) Land $55,000 Building $525,900
2025	$3,757.00	$580,900 Land $55,000 Building $525,900	$580,900 Land $55,000 Building $525,900
2023	$263.00	$32,200 Land $32,200	$32,200 Land $32,200

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 411 Clearwater Dr in Zone X, an area of minimal flood risk, though there have been 12 flood claims nearby since 1978.

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
Nearby Flood Claims	12 (1978–2005)
Claims Outside the SFHA	8 of 12
Most Recent Claim	Jun 2005 · other causes

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 411 Clearwater 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	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 154 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

May also be available: Windstream.

Nearby Properties on Clearwater Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures