4515 Oconnell St, Indian Trail, NC 28079 Property Records

Union County property record for 4515 Oconnell St, Indian Trail, NC 28079

Property Summary

Property Type	Rural Home
Details	3 bd · 2.5 ba · 2,818 sqft · built 2007
Lot Size	0.526 acres (22,913 sqft)
Owner	Individual Name on File
Last Sale	$335,000 (Mar 2021)
Tax Bill	$4,728 (2025)
Deeds & Mortgages	Dec 2022 Mortgage Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-300-069`

Property Details

APN / Parcel Number

Primary APN	`08-300-069`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,818 sqft Living Area
1st Floor Area	2,818 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Conventional
Construction Type	Wood
Roof Type	Hip
Lot Area	22,913 sqft (0.526 acres)
Garage Type	Attached
Garage Area	496 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	28 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	4515 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	#12-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

4515 Oconnell St, a rural home, is owned and occupied by an individual who bought it in March 2021.

Source: Union County records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	4515 OCONNELL ST, INDIAN TRAIL, NC 28079-6788
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2022	Deed of Trust, Mortgage · Commercial Mortgage TRULIANT FCU
Mar 8, 2021	Warranty Deed, Transfer · Conventional Mortgage SOUTHERN TRUST MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 8, 2021 · Amount on File
Deed Sale	Mar 8, 2021 · Amount on File
Prior Sale	Sep 9, 2016 · Amount on File
Deed Document Number	202110622
Deed Book / Page	8016 / 159
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	4515 OCONNELL ST, INDIAN TRAIL, NC 28079-6788
Transaction Type	Mortgage
Record Updated	Jan 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008633289
Date	Dec 29, 2022
Book Page	8633/289
Instrument	42059

Lender

Name	TRULIANT FCU
Type	Credit Union
Address	WINSTON SALEM, NC 27103

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 2, 2053

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Mar 8, 2021
Property Address	4515 OCONNELL ST, INDIAN TRAIL, NC 28079-6788
Document Number	0008016159
Book / Page	8016 / 159
Map Reference	CAB K FILE 36-39
Instrument Date	Mar 1, 2021
Instrument	10622
Transaction Type	Transfer
Record Updated	Dec 14, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$670.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4515 OCONNELL ST, INDIAN TRAIL, NC 28079-6788

Mortgage

Document Number	0000010623
Date	Mar 8, 2021
Instrument	10623

Lender

Name	SOUTHERN TRUST MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 4515 Oconnell St was $4,728.

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		$540,900 (-) Land $105,000 Building $435,900	$540,900 (-) Land $105,000 Building $435,900
2025	$4,728.00	$540,900 Land $105,000 Building $435,900	$540,900 Land $105,000 Building $435,900
2023	$3,798.00	$348,300 Land $64,300 Building $284,000	$348,300 Land $64,300 Building $284,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4515 Oconnell St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

Wildfire risk around 4515 Oconnell St is low, with less than a 0.01% annual chance of 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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