4307 Emerald Ln, Indian Trail, NC 28079 Property Records

Union County property record for 4307 Emerald Ln, Indian Trail, NC 28079

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,268 sqft · built 1992
Lot Size	0.22 acres (9,583 sqft)
Owner	Company Name on Record
Last Sale	$352,000 (Jul 2022)
Tax Bill	$2,253 (2025)
Deeds & Mortgages	Jul 2022 Sale Jan 2021 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`07-066-072`

Property Details

APN / Parcel Number

Primary APN	`07-066-072`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,268 sqft Living Area
Gross Area	1,708 sqft
1st Floor Area	1,268 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,583 sqft (0.22 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	312 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4307 EMERALD LN
City	INDIAN TRAIL
State	NC
Zip	28079-9424
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	SF-1 INDIA
Legal Description	#9 ASHE CROFT PH1/MP1 OPCD105
Legal Subdivision	ASHE CROFT
Legal Lot Number	9
Jurisdiction	UNION NC
Township / Civil Division	VANCE
Census Block Group	2
Census Block	2002
Census Tract	20312

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	PO BOX 4090, SCOTTSDALE, AZ 85261-4090
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2022	Warranty Deed, Transfer INVESTOR TITLE INSURANCE COMPANY, INVESTORS TITLE INSURANCE CO
Jan 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Aug 21, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage NEWREZ LLC
Feb 22, 2018	Warranty Deed, Transfer · FHA Mortgage NEW PENN FINANCIAL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 8, 2022 · Amount on Record
Deed Sale	Jul 8, 2022 · Amount on Record
Prior Sale	Feb 22, 2018 · Amount on Record
Deed Document Number	202224427
Deed Book / Page	8520 / 585
Prior Transfer Date	Aug 14, 2019
Prior Transfer Doc	7445205
Record Updated	Oct 29, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Jul 8, 2022
Property Address	4307 EMERALD LN, INDIAN TRAIL, NC 28079-9424
Document Number	0008520585
Book / Page	8520 / 585
Map Reference	CAB D FILE 105
Instrument Date	Jul 8, 2022
Instrument	24427
Transaction Type	Transfer
Record Updated	Jul 26, 2022
Title Company	INVESTOR TITLE INSURANCE COMPANY, INVESTORS TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Tax	$704.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1005 CABRA CT, 1005, INDIAN TRAIL, NC 28079-5370

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 4090, SCOTTSDALE, AZ 85261-4090
Investor	Possibly a Property Investor

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	4307 EMERALD LN, INDIAN TRAIL, NC 28079-9424
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	796151
Date	Jan 21, 2021
Book Page	7961/51
Instrument	2899

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

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

August 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	UNION NC
Recording Date	Aug 21, 2019
Property Address	4307 EMERALD LN, INDIAN TRAIL, NC 28079-9424
Document Number	0007445205
Book / Page	7445 / 205
Map Reference	CAB D FILE 105
Instrument Date	Aug 14, 2019
Instrument	0024778
Transaction Type	Transfer
Record Updated	Dec 14, 2021

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
Address	4307 EMERALD LN, INDIAN TRAIL, NC 28079-9424

Mortgage

Document Number	0000024779
Date	Aug 21, 2019
Instrument	0024779

Lender

Name	NEWREZ LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Feb 22, 2018
Property Address	4307 EMERALD LN, INDIAN TRAIL, NC 28079-9424
Document Number	0007106577
Book / Page	7106 / 577
Map Reference	CAB D FILE 105
Instrument Date	Feb 21, 2018
Instrument	0004523
Transaction Type	Transfer
Record Updated	Dec 14, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$334.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2517 SANDY RIDGE LN, 2517, INDIAN TRAIL, NC 28079

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3440 TORINGDON WAY, CHARLOTTE, NC 28277-3190
Mail Care Of	LUTZEL BROADWAY & ASSOCIATES PC

Mortgage

Document Number	0000004524
Date	Feb 22, 2018
Instrument	0004524

Lender

Name	NEW PENN FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 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	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		$340,500 (-) Land $69,800 Building $270,700	$340,500 (-) Land $69,800 Building $270,700
2025	$2,253.00 (+31.91%)	$340,500 (+68.07%) Land $69,800 Building $270,700	$340,500 (+68.07%) Land $69,800 Building $270,700
2023	$1,708.00	$202,600 Land $38,900 Building $163,700	$202,600 Land $38,900 Building $163,700

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	2 (1995–2018)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2018 · Hurricane Florence

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 99.1% of the US · lower than 99.5% of North Carolina
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
Ripple Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Windstream DSL · Fiber in parts of the area	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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