4527 Oconnell St, Indian Trail, NC 28079 Property Records

Union County property record for 4527 Oconnell St, Indian Trail, NC 28079

Property Summary

Property Type	Rural Home
Details	5 bd · 3.5 ba · 2,685 sqft · built 2014
Lot Size	0.387 acres (16,858 sqft)
Owner	2 Individual Names on Record
Last Sale	$525,000 (Feb 2024)
Tax Bill	$4,154 (2025)
Deeds & Mortgages	Feb 2024 Sale & Mortgage Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-300-070`

Property Details

APN / Parcel Number

Primary APN	`08-300-070`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,685 sqft Living Area
1st Floor Area	1,005 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	Conventional
Construction Type	Wood
Roof Type	Gable
Lot Area	16,858 sqft (0.387 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	90 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4527 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	#13-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	4527 OCONNELL ST, INDIAN TRAIL, NC 28079-6788
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Feb 27, 2024	Warranty Deed, Transfer · FHA Mortgage ORIGINPOINT LLC
Aug 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Jun 25, 2019	Warranty Deed, Transfer · Conventional with PMI BAXTER CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 27, 2024 · Amount on Record
Deed Sale	Feb 27, 2024 · Amount on Record
Prior Sale	Jun 25, 2019 · Amount on Record
Deed Document Number	20244251
Deed Book / Page	8860 / 208
Prior Transfer Date	Jul 16, 2009
Prior Transfer Doc	5177283
Record Updated	Oct 29, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Feb 27, 2024
Property Address	4527 OCONNELL ST, INDIAN TRAIL, NC 28079-6788
Document Number	0008860208
Book / Page	8860 / 208
Map Reference	CAB K FILE 36-39
Instrument Date	Feb 22, 2024
Instrument	4251
Transaction Type	Transfer
Record Updated	Mar 13, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,050.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2399 ROCKY COVE LN, DENTON, NC 27239-7246

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000004252
Date	Feb 27, 2024
Instrument	4252

Lender

Name	ORIGINPOINT LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	4527 OCONNELL ST, INDIAN TRAIL, NC 28079-6788
Transaction Type	Mortgage
Record Updated	Aug 24, 2022
Title Company	WESTCOR LAND TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000821855
Date	Aug 25, 2021
Book Page	8218/55
Instrument	40260

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

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

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Jun 25, 2019
Property Address	4527 OCONNELL ST, INDIAN TRAIL, NC 28079-6788
Document Number	7399813
Book / Page	007399 / 000813
Instrument Date	Jun 25, 2019
Instrument	17744
Transaction Type	Transfer
Record Updated	Jul 12, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$658.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4527 OCONNELL ST INDIAN TRAIL NC 280796788, INDIAN TRAIL, NC 28079-6788

Mortgage

Document Number	7399815
Date	Jun 25, 2019
Book Page	007399/000815
Instrument	17745

Lender

Name	BAXTER CU
Type	Credit Union
Address	VERNON HILLS, IL 60061

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 24, 2049

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		$475,200 (-) Land $105,000 Building $370,200	$475,200 (-) Land $105,000 Building $370,200
2025	$4,154.00 (+19.68%)	$475,200 (+49.29%) Land $105,000 Building $370,200	$475,200 (+49.29%) Land $105,000 Building $370,200
2023	$3,471.00	$318,300 Land $64,300 Building $254,000	$318,300 Land $64,300 Building $254,000

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
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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 95% of North Carolina
Wildfire Likelihood	Under 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 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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