514 Simpson Rd, Indian Trail, NC 28079 Property Records

Union County property record for 514 Simpson Rd, Indian Trail, NC 28079

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,688 sqft · built 1998
Lot Size	13.4 acres (585,882 sqft)
Owner	2 Individual Names on Record
Last Sale	$595,000 (Nov 2020)
Tax Bill	$3,818 (2025)
Deeds & Mortgages	Nov 2020 Sale & Mortgage May 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-228-005B`

Property Details

APN / Parcel Number

Primary APN	`08-228-005B`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	2,688 sqft Living Area
Gross Area	2,663 sqft
1st Floor Area	1,818 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Logs
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	585,882 sqft (13.4 acres)
Porch	Slab
Porch Area	623 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	514 SIMPSON RD
City	INDIAN TRAIL
State	NC
Zip	28079-7776
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA-40 FAIR
Legal Description	13.45A 7880-509
Jurisdiction	UNION NC
Township / Civil Division	GOOSE CREEK
Census Block Group	2
Census Block	2007
Census Tract	20204

Owner

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 Record
Mailing Address	514 SIMPSON RD, INDIAN TRAIL, NC 28079-7776
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 10, 2020	Warranty Deed, Transfer · Conventional Mortgage ALCOVA MORTGAGE LLC
May 24, 2019	Deed of Trust, Mortgage · Line of Credit TIAA FSB
May 8, 2018	Warranty Deed, Transfer TIAA FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 10, 2020 · Amount on Record
Deed Sale	Nov 10, 2020 · Amount on Record
Prior Sale	May 8, 2018 · Amount on Record
Deed Document Number	202046379
Deed Book / Page	7880 / 509
Record Updated	Oct 29, 2026

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Nov 10, 2020
Property Address	514 SIMPSON RD, INDIAN TRAIL, NC 28079-7776
Document Number	0007880509
Book / Page	7880 / 509
Instrument Date	Nov 10, 2020
Instrument	46379
Transaction Type	Transfer
Record Updated	Dec 14, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,190.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3808 EMERALD LN, 3808, GASTONIA, NC 28056-8831

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	514 SIMPSON RD, INDIAN TRAIL, NC 28079-7776

Mortgage

Document Number	0000046380
Date	Nov 10, 2020
Instrument	46380

Lender

Name	ALCOVA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	514 SIMPSON RD, INDIAN TRAIL, NC 28079-7776
Document Number	7380548
Instrument Date	May 24, 2019
Transaction Type	Mortgage
Record Updated	Jun 10, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	514 SIMPSON RD INDIAN TRAIL NC 280797776, INDIAN TRAIL, NC 28079-7776

Mortgage

Document Number	7380548
Date	May 30, 2019
Book Page	007380/000548
Instrument	14632

Lender

Name	TIAA FSB
Address	JACKSONVILLE, FL 32202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 29, 2049

Interest

Rate Type	Adjustable Rate

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	May 8, 2018
Property Address	514 SIMPSON RD, INDIAN TRAIL, NC 28079-7776
Document Number	7152200
Book / Page	007152 / 000200
Instrument Date	May 8, 2018
Instrument	12247
Transaction Type	Transfer
Record Updated	Jun 1, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	514 SIMPSON RD INDIAN TRAIL NC 280797776, INDIAN TRAIL, NC 28079-7776

Mortgage

Document Number	7152206
Date	May 8, 2018
Book Page	007152/000206
Instrument	12249

Lender

Name	TIAA FSB
Address	JACKSONVILLE, FL 32202

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 7, 2048

Tax Assessment & Valuation

Source: Union County assessment roll, as of March 31, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Union County
Municipality	Fairview Town
Unified School District	Union County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$747,700 (-) Land $321,400 Building $426,300	$747,700 (-) Land $321,400 Building $426,300
2025	$3,818.00 (+7.67%)	$747,700 (+38.8%) Land $321,400 Building $426,300	$747,700 (+38.8%) Land $321,400 Building $426,300
2023	$3,546.00	$538,700 Land $175,000 Building $363,700	$538,700 Land $175,000 Building $363,700

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	6 in force
Nearby Flood Claims	3 (2015–2018)
Most Recent Claim	Sep 2018 · Hurricane Florence
Claims by Event	Hurricane Florence, Sep 2018 · 2 claims

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 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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