421 S Fork Rd, Indian Trail, NC 28079 Property Records

Union County property record for 421 S Fork Rd, Indian Trail, NC 28079

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,250 sqft · built 1997
Lot Size	1.4 acres (60,984 sqft)
Owner	Individual Name on Record
Last Sale	$320,000 (Mar 2023)
Tax Bill	$2,124 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`07-114-072N`

Property Details

APN / Parcel Number

Primary APN	`07-114-072N`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,250 sqft Living Area
1st Floor Area	1,250 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	60,984 sqft (1.4 acres)
Deck Area	456 sqft
Patio Area	456 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	421 S FORK RD
City	INDIAN TRAIL
State	NC
Zip	28079-3645
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF-1 INDIA
Legal Description	OPCE764
Jurisdiction	UNION NC
Township / Civil Division	VANCE
Census Block Group	1
Census Block	1026
Census Tract	20313

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	421 S FORK RD, INDIAN TRAIL, NC 28079-3645
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 22, 2023 · Amount on Record
Deed Sale	Mar 22, 2023 · Amount on Record
Prior Sale	Nov 17, 2010 · Amount on Record
Deed Document Number	20236484
Deed Book / Page	8675 / 761
Prior Transfer Date	Nov 11, 2010
Prior Transfer Doc	0005439267
Record Updated	Oct 29, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Mar 22, 2023
Property Address	421 SOUTHFORK RD, INDIAN TRAIL, NC 28079-3645
Document Number	0008675761
Book / Page	8675 / 761
Map Reference	CAB E FILE 764
Instrument Date	Mar 21, 2023
Instrument	6484
Transaction Type	Transfer
Record Updated	Apr 26, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$640.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	701 ORCHID DR, LAKEVILLE, NY 14480-9746

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	421 SOUTHFORK RD, INDIAN TRAIL, NC 28079-3645

Mortgage

Document Number	0000006485
Date	Mar 22, 2023
Instrument	6485

Lender

Name	LATINO COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6%
Type Change Date	Apr 1, 2028
Change Frequency	5 Years
Min Rate At Change	5.75%
Max Rate At Change	8%
Index	5-Year TN
Max Rate	12%

Tax Assessment & Valuation

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		$316,500 (-) Land $136,700 Building $179,800	$316,500 (-) Land $136,700 Building $179,800
2025	$2,124.00 (+19.73%)	$316,500 (+50.93%) Land $136,700 Building $179,800	$316,500 (+50.93%) Land $136,700 Building $179,800
2023	$1,774.00	$209,700 Land $36,800 Building $172,900	$209,700 Land $36,800 Building $172,900

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	2 in force
Nearby Flood Claims	2 (2020–2026)
Claims Outside the SFHA	2 of 2
Most Recent Claim	May 2026 · rainfall accumulation

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	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 23 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Windstream.

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