4536 Oconnell St, Indian Trail, NC 28079 Property Records

Union County property record for 4536 Oconnell St, Indian Trail, NC 28079

Property Summary

Property Type	Rural Home
Details	4 bd · 2.5 ba · 3,088 sqft · built 2011
Lot Size	0.37 acres (16,117 sqft)
Owner	2 Individual Names on File
Last Sale	$525,000 (Nov 2022)
Tax Bill	$4,678 (2025)
Deeds & Mortgages	Nov 2022 Sale & Mortgage Jun 2018 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`08-300-075`

Property Details

APN / Parcel Number

Primary APN	`08-300-075`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	3,088 sqft Living Area
1st Floor Area	1,659 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Architectural Style	Conventional
Construction Type	Wood
Roof Type	Gable
Lot Area	16,117 sqft (0.37 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	304 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4536 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	#18-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

4536 Oconnell St, a rural home, is owned and occupied by two individuals who bought it in November 2022.

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	2 Individual Names on File
Mailing Address	4536 OCONNELL ST, INDIAN TRAIL, NC 28079-6788
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 7, 2022	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Jun 13, 2018	Deed of Trust, Mortgage TOUCHMARK NATIONAL BANK
Apr 1, 2021	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Feb 24, 2021	Warranty Deed, Transfer E-CHICAGO TITLE, CHICAGO TITLE
Oct 8, 2018	Warranty Deed, Transfer · ARM FIRST CITIZENS BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 7, 2022 · Amount on File
Deed Sale	Nov 7, 2022 · Amount on File
Prior Sale	Apr 1, 2021 · Amount on File
Deed Document Number	202237632
Deed Book / Page	8604 / 892
Prior Transfer Date	Jul 16, 2009
Prior Transfer Doc	5177283
Record Updated	Oct 29, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Nov 7, 2022
Property Address	4536 OCONNELL ST, INDIAN TRAIL, NC 28079-6788
Document Number	0008604892
Book / Page	8604 / 892
Map Reference	CAB K FILE 36-39
Instrument Date	Nov 7, 2022
Instrument	37632
Transaction Type	Transfer
Record Updated	Nov 18, 2022

Transaction

Amount	Amount on Record
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	5412 SUSTAR DR, 5412, MONROE, NC 28110-8140

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4536 OCONNELL ST, INDIAN TRAIL, NC 28079-6788

Mortgage

Document Number	0000037633
Date	Nov 7, 2022
Instrument	37633

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2052

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	4536 OCONNELL ST, INDIAN TRAIL, NC 28079-6788
Transaction Type	Mortgage
Record Updated	Aug 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007174479
Date	Jun 13, 2018
Book Page	7174/479
Instrument	0016035

Lender

Name	TOUCHMARK NATIONAL BANK
Type	Bank
Address	ALPHARETTA, GA 30005

Agreement

Amount	Amount on Record
Term	120 Months
Due	Jun 1, 2028

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Apr 1, 2021
Property Address	4536 OCONNELL ST, INDIAN TRAIL, NC 28079-6788
Document Number	0008049768
Book / Page	8049 / 768
Map Reference	CAB K FILE 36-39
Instrument Date	Mar 31, 2021
Instrument	15420
Transaction Type	Transfer
Record Updated	Aug 24, 2022
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$788.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	410 N SCOTTSDALE RD # RD1600, 410, TEMPE, AZ 85288-7094

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4536 OCONNELL ST, INDIAN TRAIL, NC 28079-6788

Mortgage

Document Number	0000015421
Date	Apr 1, 2021
Instrument	15421

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Feb 24, 2021
Property Address	4536 OCONNELL ST, INDIAN TRAIL, NC 28079-6788
Document Number	0008000489
Book / Page	8000 / 489
Map Reference	CAB K FILE 36-39
Instrument Date	Feb 20, 2021
Instrument	8488
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount on Record
Tax	$735.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4400 N PEACHTREE RD, DUNWOODY, GA 30338-5807

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	410 N SCOTTSDALE RD # 1600, 1600, TEMPE, AZ 85288-0976
Investor	Possibly a Property Investor

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Oct 8, 2018
Property Address	4536 OCONNELL ST, INDIAN TRAIL, NC 28079-6788
Document Number	0007248188
Book / Page	7248 / 188
Map Reference	CAB K FILE 36-39
Instrument Date	Oct 5, 2018
Instrument	0028281
Transaction Type	Transfer
Record Updated	Aug 24, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$630.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	105 SHIPS LNDG, 105, CARROLLTON, VA 23314-2775

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4536 OCONNELL ST, INDIAN TRAIL, NC 28079-6788

Mortgage

Document Number	0000028282
Date	Oct 8, 2018
Instrument	0028282

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	Oct 1, 2028
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.75%
Index	1-Year LIBOR
Max Rate	9.75%

Tax Assessment & Valuation

The 2025 property tax bill for 4536 Oconnell St was $4,678.

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		$535,200 (-) Land $105,000 Building $430,200	$535,200 (-) Land $105,000 Building $430,200
2025	$4,678.00	$535,200 Land $105,000 Building $430,200	$535,200 Land $105,000 Building $430,200
2023	$3,832.00	$351,400 Land $64,300 Building $287,100	$351,400 Land $64,300 Building $287,100

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

Flood

FEMA maps place 4536 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 4536 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 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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