4512 Oconnell St, Indian Trail, NC 28079 Property Records

Union County property record for 4512 Oconnell St, Indian Trail, NC 28079

Property Summary

Property Type	Rural Home
Details	4 bd · 3 ba · 2,833 sqft · built 2015
Lot Size	0.324 acres (14,113 sqft)
Owner	2 Individual Names on Record
Last Sale	$280,500 (Aug 2016)
Tax Bill	$5,159 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Aug 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`08-300-079`

Property Details

APN / Parcel Number

Primary APN	`08-300-079`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,833 sqft Living Area
1st Floor Area	1,252 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Conventional
Construction Type	Wood
Roof Type	Gable
Lot Area	14,113 sqft (0.324 acres)
Garage Type	Attached
Garage Area	449 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	205 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4512 OCONNELL ST
City	INDIAN TRAIL
State	NC
Zip	28079-6788
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	CD MONROE
Legal Description	#22-A GLENDALOUGH PH1A & 1B OPCK036-039
Legal Subdivision	GLENDALOUGH
Jurisdiction	UNION NC
Township / Civil Division	GOOSE CREEK
Census Block Group	1
Census Block	1010
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	2 Individual Names on Record
Mailing Address	4512 OCONNELL ST, INDIAN TRAIL, NC 28079-6788
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Aug 7, 2020	Deed of Trust, Mortgage · Line of Credit CHARLOTTE METRO CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 29, 2016 · Amount on Record
Deed Sale	Aug 29, 2016 · Amount on Record
Prior Sale	Dec 10, 2015 · Amount on Record
Deed Document Number	201626147
Deed Book / Page	6755 / 650
Prior Transfer Date	Jul 16, 2009
Prior Transfer Doc	5177283
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	4512 OCONNELL ST, INDIAN TRAIL, NC 28079-6788
Transaction Type	Mortgage
Record Updated	Apr 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	8054406
Date	Apr 6, 2021
Book Page	8054/406
Instrument	16106

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2036

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	4512 OCONNELL ST, INDIAN TRAIL, NC 28079-6788
Document Number	7768553
Instrument Date	Aug 7, 2020
Transaction Type	Mortgage
Record Updated	Sep 22, 2020
Title Company	DATA SEARCH INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4512 OCONNELL ST INDIAN TRAIL NC 280796788, INDIAN TRAIL, NC 28079-6788

Mortgage

Document Number	7768553
Date	Aug 11, 2020
Book Page	007768/000553
Instrument	30657

Lender

Name	CHARLOTTE METRO CU
Type	Credit Union
Address	CHARLOTTE, NC 28204

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 10, 2050

Interest

Rate Type	Adjustable Rate

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		$590,200 (-) Land $105,000 Building $485,200	$590,200 (-) Land $105,000 Building $485,200
2025	$5,159.00 (+22.98%)	$590,200 (+53.42%) Land $105,000 Building $485,200	$590,200 (+53.42%) Land $105,000 Building $485,200
2023	$4,195.00	$384,700 Land $64,300 Building $320,400	$384,700 Land $64,300 Building $320,400

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 98% of the US · lower than 99% 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 92 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Windstream.

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