4138 Oconnell St, Indian Trail, NC 28079 Property Records

Union County property record for 4138 Oconnell St, Indian Trail, NC 28079

Property Summary

Property Type	Rural Home
Details	4 bd · 2.5 ba · 3,220 sqft · built 2012
Lot Size	0.173 acres (7,536 sqft)
Owner	Individual Name on Record
Last Sale	$315,000 (Apr 2020)
Tax Bill	$4,777 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Feb 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-300-227`

Property Details

APN / Parcel Number

Primary APN	`08-300-227`

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

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Architectural Style	Conventional
Construction Type	Wood
Roof Type	Gable
Lot Area	7,536 sqft (0.173 acres)
Garage Type	Attached
Garage Area	440 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	4138 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	#37-C GLENDALOUGH PH3B OPCL720
Legal Subdivision	GLENDALOUGH
Legal Lot Number	37
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	Individual Name on Record
Mailing Address	4138 OCONNELL ST, INDIAN TRAIL, NC 28079-6792
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2026	Deed of Trust, Mortgage · Line of Credit CROSSCOUNTRY MORTGAGE LLC
Feb 14, 2022	Intrafamily Transfer, Transfer · FHA Mortgage MOVEMENT MORTGAGE
Apr 24, 2020	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 24, 2020 · Amount on Record
Deed Sale	Apr 24, 2020 · Amount on Record
Prior Sale	Nov 26, 2012 · Amount on Record
Deed Document Number	202013903
Deed Book / Page	7647 / 322
Last Transfer Date	Feb 9, 2022
Transfer Doc	0008397623
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	4138 OCONNELL ST, INDIAN TRAIL, NC 28079-6792
Transaction Type	Mortgage
Record Updated	Mar 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000930686
Date	Feb 17, 2026
Book Page	9306/86
Instrument	3884

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	CLEVELAND, OH 44114

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Mar 2, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	UNION NC
Recording Date	Feb 14, 2022
Property Address	4138 OCONNELL ST, INDIAN TRAIL, NC 28079-6792
Document Number	0008397623
Book / Page	8397 / 623
Map Reference	CAB L FILE 720&721
Instrument Date	Feb 9, 2022
Instrument	5489
Transaction Type	Transfer
Record Updated	Feb 25, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4138 OCONNELL ST, INDIAN TRAIL, NC 28079-6792

Mortgage

Document Number	0000005490
Date	Feb 14, 2022
Instrument	5490

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Apr 24, 2020
Property Address	4138 OCONNELL ST, INDIAN TRAIL, NC 28079-6792
Document Number	0007647322
Book / Page	7647 / 322
Map Reference	CAB L FILE 720&721
Instrument Date	Apr 24, 2020
Instrument	13903
Transaction Type	Transfer
Record Updated	Dec 14, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$630.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4138 OCONNELL ST, INDIAN TRAIL, NC 28079-6792

Mortgage

Document Number	0000013904
Date	Apr 24, 2020
Instrument	13904

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

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		$546,500 (-) Land $82,600 Building $463,900	$546,500 (-) Land $82,600 Building $463,900
2025	$4,777.00 (+36.8%)	$546,500 (+70.62%) Land $82,600 Building $463,900	$546,500 (+70.62%) Land $82,600 Building $463,900
2023	$3,492.00	$320,300 Land $57,800 Building $262,500	$320,300 Land $57,800 Building $262,500

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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