4542 Oconnell St, Indian Trail, NC 28079 Property Records

Union County property record for 4542 Oconnell St, Indian Trail, NC 28079

Property Summary

Property Type	Rural Home
Details	5 bd · 3 ba · 3,722 sqft · built 2008
Lot Size	0.651 acres (28,358 sqft)
Owner	Individual Name on Record
Last Sale	$404,000 (Jul 2019)
Tax Bill	$5,862 (2025)
Deeds & Mortgages	Feb 2024 Second Mortgage Jul 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-300-074`

Property Details

APN / Parcel Number

Primary APN	`08-300-074`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	3,722 sqft Living Area
1st Floor Area	2,067 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Architectural Style	Conventional
Exterior Material	Other
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	28,358 sqft (0.651 acres)
Garage Type	Attached
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces
Deck Area	206 sqft
Patio Area	206 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4542 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	#17-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	Individual Name on Record
Mailing Address	4542 OCONNELL ST, INDIAN TRAIL, NC 28079-6788
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 1, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Jul 30, 2019	Warranty Deed, Transfer · Conventional Mortgage HOMESTEAD FUNDING CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 30, 2019 · Amount on Record
Deed Sale	Jul 30, 2019 · Amount on Record
Prior Sale	Jul 24, 2008 · Amount on Record
Deed Document Number	201922048
Deed Book / Page	7427 / 645
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	4542 OCONNELL ST, INDIAN TRAIL, NC 28079-6788
Transaction Type	Mortgage
Record Updated	Feb 15, 2024
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008847753
Date	Feb 1, 2024
Book Page	8847/753
Instrument	2179

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Jan 1, 2039

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Jul 30, 2019
Property Address	4542 OCONNELL ST, INDIAN TRAIL, NC 28079-6788
Document Number	0007427645
Book / Page	7427 / 645
Map Reference	CAB K FILE 36-39
Instrument Date	Jul 30, 2019
Instrument	0022048
Transaction Type	Transfer
Record Updated	Dec 14, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$808.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4542 OCONNELL ST, INDIAN TRAIL, NC 28079-6788

Mortgage

Document Number	0000022049
Date	Jul 30, 2019
Instrument	0022049

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 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		$601,100 (-) Land $105,000 Building $496,100	$601,100 (-) Land $105,000 Building $496,100
2025	$5,862.00 (+36.71%)	$601,100 (+52.83%) Land $105,000 Building $496,100	$601,100 (+52.83%) Land $105,000 Building $496,100
2023	$4,288.00	$393,300 Land $64,300 Building $329,000	$393,300 Land $64,300 Building $329,000

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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