6103 Clearwater Dr, Indian Trail, NC 28079 Property Records

Union County property record for 6103 Clearwater Dr, Indian Trail, NC 28079

Property Summary

Property Type	Rural Home
Details	2 bd · 1 ba · 958 sqft · built 1976
Lot Size	0.313 acres (13,634 sqft)
Owner	Individual Name on File
Last Sale	$239,000 (Apr 2022)
Tax Bill	$1,641 (2025)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Jun 2018 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-057-312`

Property Details

APN / Parcel Number

Primary APN	`07-057-312`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	958 sqft Living Area
Gross Area	931 sqft
1st Floor Area	931 sqft

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	13,634 sqft (0.313 acres)
Porch	Slab
Porch Area	28 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	6103 CLEARWATER DR
City	INDIAN TRAIL
State	NC
Zip	28079-8610
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	SF-1 INDIA
Legal Description	#2 HEMBY ACRES SECIV BLKC MB6 PG150
Legal Subdivision	HEMBY ACRES
Legal Block	C
Legal Lot Number	2
Jurisdiction	UNION NC
Township / Civil Division	VANCE
Census Block Group	2
Census Block	2019
Census Tract	20310

Owner

6103 Clearwater Dr, a rural home, is owned and occupied by an individual who bought it in April 2022.

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

Owner of Record	Individual Name on File
Mailing Address	6103 CLEARWATER DR, INDIAN TRAIL, NC 28079-8610
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
Apr 7, 2022	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
Jun 20, 2018	Warranty Deed, Transfer ATTORNEY ONLY
Jun 8, 2017	Warranty Deed, Transfer · Conventional Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 7, 2022 · Amount on File
Deed Sale	Apr 7, 2022 · Amount on File
Prior Sale	Jun 20, 2018 · Amount on File
Deed Document Number	202212939
Deed Book / Page	8447 / 143
Prior Transfer Date	Aug 14, 2013
Prior Transfer Doc	6078311
Record Updated	Oct 29, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Apr 7, 2022
Property Address	6103 CLEARWATER DR, INDIAN TRAIL, NC 28079-8610
Document Number	0008447143
Book / Page	8447 / 143
Map Reference	MB 6 PG 150
Instrument Date	Apr 1, 2022
Instrument	12939
Transaction Type	Transfer
Record Updated	Apr 25, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$478.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2351 EAGLE WOOD DR, 2351, MOUNT AIRY, MD 21771-8731

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6103 CLEARWATER DR, INDIAN TRAIL, NC 28079-8610

Mortgage

Document Number	0000012940
Date	Apr 7, 2022
Instrument	12940

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

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

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Jun 20, 2018
Property Address	6103 CLEARWATER DR, INDIAN TRAIL, NC 28079-8610
Document Number	71801
Book / Page	007180 / 000001
Instrument Date	Jun 20, 2018
Instrument	16904
Transaction Type	Transfer
Record Updated	Jul 25, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$310.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	2351 EAGLE WOOD DR MOUNT AIRY MD 217718731, MOUNT AIRY, MD 21771-8731

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Jun 8, 2017
Property Address	6103 CLEARWATER DR, INDIAN TRAIL, NC 28079-8610
Document Number	0006948536
Book / Page	6948 / 536
Map Reference	MB 6 PG 150
Instrument Date	May 12, 2017
Instrument	0016050
Transaction Type	Transfer
Record Updated	Dec 14, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$232.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1000 N WEST ST, 1000, RALEIGH, NC 27603-1142

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6103 CLEARWATER DR, INDIAN TRAIL, NC 28079-8610

Mortgage

Document Number	0000016051
Date	Jun 8, 2017
Instrument	0016051

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 6103 Clearwater Dr was $1,641.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$245,900 (-) Land $55,000 Building $190,900	$245,900 (-) Land $55,000 Building $190,900
2025	$1,641.00	$245,900 Land $55,000 Building $190,900	$245,900 Land $55,000 Building $190,900
2023	$1,288.00	$151,200 Land $32,200 Building $119,000	$151,200 Land $32,200 Building $119,000

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

Flood

FEMA maps place 6103 Clearwater Dr in Zone X, an area of minimal flood risk, though there have been 12 flood claims nearby since 1978.

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
Nearby Flood Claims	12 (1978–2005)
Claims Outside the SFHA	8 of 12
Most Recent Claim	Jun 2005 · other causes

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 6103 Clearwater Dr 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 154 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ripple Fiber Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Windstream.

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