4114 Oconnell St, Indian Trail, NC 28079 Property Records

Union County property record for 4114 Oconnell St, Indian Trail, NC 28079

Property Summary

Property Type	Rural Home
Details	4 bd · 2.5 ba · 3,220 sqft · built 2013
Lot Size	0.16 acres (6,970 sqft)
Owner	Company Name on Record
Last Sale	$434,000 (Oct 2021)
Tax Bill	$4,372 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Apr 2022 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`08-300-221`

Property Details

APN / Parcel Number

Primary APN	`08-300-221`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	3,220 sqft Living Area
1st Floor Area	1,540 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Architectural Style	Conventional
Construction Type	Wood
Roof Type	Gable
Lot Area	6,970 sqft (0.16 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	4114 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 31-C GLENDALOUGH PH3B OPCL720
Legal Subdivision	GLENDALOUGH
Legal Lot Number	31-C
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 October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	600 GALLERIA PKWY SE, 300, ATLANTA, GA 30339-8146
Owner Type	Company
Vesting	Partnership

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2021	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Apr 20, 2022	Deed of Trust, Mortgage · Commercial Mortgage MORGAN STANLEY MORTGAGE CAPITAL HOLDINGS
Oct 26, 2021	Special Warranty Deed, Transfer
Aug 18, 2021	Warranty Deed, Transfer ZILLOW CLOSING SERVICES LLC
Mar 20, 2020	Deed of Trust, Mortgage · Conventional with PMI PENNYMAC
Jan 2, 2018	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 26, 2021 · Amount on Record
Deed Sale	Oct 26, 2021 · Amount on Record
Prior Sale	Aug 18, 2021 · Amount on Record
Deed Document Number	202151112
Deed Book / Page	8292 / 524
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	4114 OCONNELL ST, INDIAN TRAIL, NC 28079-6792
Transaction Type	Mortgage
Record Updated	Aug 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008029135
Date	Mar 17, 2021
Book Page	8029/135
Instrument	12444

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	4114 OCONNELL ST, INDIAN TRAIL, NC 28079-6792
Transaction Type	Mortgage
Record Updated	Aug 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008458130
Date	Apr 20, 2022
Book Page	8458/130
Instrument	14616

Lender

Name	MORGAN STANLEY MORTGAGE CAPITAL HOLDINGS
Type	Mortgage Company
Address	NEW YORK, NY 10036

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	61 Months
Due	May 7, 2027

October 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	UNION NC
Recording Date	Oct 26, 2021
Property Address	4114 OCONNELL ST, INDIAN TRAIL, NC 28079-6792
Document Number	0008292524
Book / Page	8292 / 524
Map Reference	CAB L FILE 720&721
Instrument Date	Oct 5, 2021
Instrument	51112
Transaction Type	Transfer
Record Updated	Aug 24, 2022

Transaction

Amount	Amount Recorded
Tax	$868.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1301 2ND AVE # AVE31, 1301, SEATTLE, WA 98101-3800

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1850 PARKWAY PL SE STE 900, 900, MARIETTA, GA 30067-8261
Investor	Possibly a Property Investor

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Aug 18, 2021
Property Address	4114 OCONNELL ST, INDIAN TRAIL, NC 28079-6792
Document Number	0008210100
Book / Page	8210 / 100
Map Reference	CAB L FILE 720&721
Instrument Date	Aug 16, 2021
Instrument	39060
Transaction Type	Transfer
Record Updated	Aug 24, 2022
Title Company	ZILLOW CLOSING SERVICES LLC

Transaction

Amount	Amount Recorded
Tax	$855.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1505 CAMERON MATTHEWS DR APT 108, 1505, MATTHEWS, NC 28105-0934

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1301 2ND AVE FL 31, 31, SEATTLE, WA 98101-0003
Investor	Possibly a Property Investor

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	4114 OCONNELL ST, INDIAN TRAIL, NC 28079-6792
Document Number	7618853
Instrument Date	Mar 20, 2020
Transaction Type	Mortgage
Record Updated	May 28, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4114 OCONNELL ST INDIAN TRAIL NC 280796792, INDIAN TRAIL, NC 28079-6792

Mortgage

Document Number	7618853
Date	Mar 26, 2020
Book Page	007618/000853
Instrument	10040

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 25, 2050

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	4114 OCONNELL ST, INDIAN TRAIL, NC 28079-6792
Document Number	7086810
Book / Page	007086 / 000810
Instrument Date	Jan 2, 2018
Transaction Type	Mortgage
Record Updated	Feb 16, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4114 OCONNELL ST INDIAN TRAIL NC 280796792, INDIAN TRAIL, NC 28079-6792

Mortgage

Document Number	7086810
Date	Jan 12, 2018
Book Page	007086/000810
Instrument	1046

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 11, 2048

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
2026		$500,200 (-) Land $82,600 Building $417,600	$500,200 (-) Land $82,600 Building $417,600
2025	$4,372.00 (+21.41%)	$500,200 (+51.44%) Land $82,600 Building $417,600	$500,200 (+51.44%) Land $82,600 Building $417,600
2023	$3,601.00	$330,300 Land $57,800 Building $272,500	$330,300 Land $57,800 Building $272,500

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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