5609 Ginger Ln, Indian Trail, NC 28079 Property Records

Union County property record for 5609 Ginger Ln, Indian Trail, NC 28079

Property Summary

Property Type	Rural Home
Details	5 bd · 2.5 ba · 3,170 sqft · built 2001
Lot Size	0.344 acres (14,985 sqft)
Owner	2 Individual Names on File
Last Sale	$448,000 (Feb 2023)
Tax Bill	$3,771 (2025)
Deeds & Mortgages	Feb 2023 Sale & Mortgage Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-064-153`

Property Details

APN / Parcel Number

Primary APN	`07-064-153`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,170 sqft Living Area
Gross Area	3,570 sqft
1st Floor Area	1,662 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	14,985 sqft (0.344 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	5609 GINGER LN
City	INDIAN TRAIL
State	NC
Zip	28079-9313
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R-10 LAKE
Legal Description	#51 LAKE PARK VILLAGE PH10 MP1 OPCF500-502
Legal Subdivision	LAKE PARK - VILLAGE
Legal Lot Number	51
Jurisdiction	UNION NC
Township / Civil Division	VANCE
Census Block Group	1
Census Block	1000
Census Tract	20318

Owner

5609 Ginger Ln, a rural home, is owned and occupied by two individuals who bought it in February 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	5609 GINGER LN, INDIAN TRAIL, NC 28079-9313
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2023	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Sep 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 17, 2023 · Amount on File
Deed Sale	Feb 17, 2023 · Amount on File
Prior Sale	Aug 8, 2007 · Amount on File
Deed Document Number	20233737
Deed Book / Page	8657 / 431
Prior Transfer Date	Nov 14, 2001
Prior Transfer Doc	0001762788
Record Updated	Oct 29, 2026

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Feb 17, 2023
Property Address	5609 GINGER LN, INDIAN TRAIL, NC 28079-9313
Document Number	0008657431
Book / Page	8657 / 431
Map Reference	CAB F FILE 500-502
Instrument Date	Feb 17, 2023
Instrument	3737
Transaction Type	Transfer
Record Updated	Mar 2, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$896.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1419 LAGGAN LN, INDIAN TRAIL, NC 28079-5841

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5609 GINGER LN, INDIAN TRAIL, NC 28079-9313

Mortgage

Document Number	0000003738
Date	Feb 17, 2023
Instrument	3738

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2053

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	5609 GINGER LN, INDIAN TRAIL, NC 28079-9313
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK EAST ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7821723
Date	Sep 25, 2020
Book Page	7821/723
Instrument	38228

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 5609 Ginger Ln was $3,771.

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

Property Jurisdictions

Type	Name
State	North Carolina
County	Union County
Municipality	Lake Park Village
Unified School District	Union County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$568,600 (-) Land $80,000 Building $488,600	$568,600 (-) Land $80,000 Building $488,600
2025	$3,771.00	$568,600 Land $80,000 Building $488,600	$568,600 Land $80,000 Building $488,600
2023	$3,056.00	$366,200 Land $50,700 Building $315,500	$366,200 Land $50,700 Building $315,500

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

Flood

FEMA maps place 5609 Ginger Ln in Zone X, an area of minimal flood risk.

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	3 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 5609 Ginger Ln is low, with 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 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	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 122 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 · Fiber in parts of the area	100 / 20

May also be available: Ripple Fiber, Windstream.

Nearby Properties on Ginger Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures