6105 Clearwater Dr, Indian Trail, NC 28079 Property Records

Union County property record for 6105 Clearwater Dr, Indian Trail, NC 28079

Property Summary

Property Type	Rural Home
Details	3 bd · 1 ba · 1,466 sqft · built 1975
Lot Size	0.322 acres (14,026 sqft)
Owner	Individual Name on File
Last Sale	$195,000 (Nov 2018)
Tax Bill	$2,775 (2025)
Deeds & Mortgages	Sep 2023 Mortgage Mar 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`07-057-284`

Property Details

APN / Parcel Number

Primary APN	`07-057-284`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,466 sqft Living Area
Gross Area	1,404 sqft
1st Floor Area	1,466 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,026 sqft (0.322 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	6105 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	#3 BLKC HEMBY ACRES SEC4 PB6 PG150
Legal Subdivision	HEMBY ACRES
Legal Block	C
Legal Lot Number	3
Jurisdiction	UNION NC
Township / Civil Division	VANCE
Census Block Group	2
Census Block	2019
Census Tract	20310

Owner

6105 Clearwater Dr, a rural home, is owned and occupied by an individual who bought it in November 2018.

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

Owner of Record	Individual Name on File
Mailing Address	6105 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
Sep 19, 2023	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Mar 18, 2022	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Nov 20, 2020	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Nov 15, 2018	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Mar 28, 2018	Warranty Deed, Transfer KEVIN ZHANG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 15, 2018 · Amount on File
Deed Sale	Nov 15, 2018 · Amount on File
Prior Sale	Mar 28, 2018 · Amount on File
Deed Document Number	201831847
Deed Book / Page	7268 / 861
Prior Transfer Date	Jul 22, 1996
Prior Transfer Doc	0888000848
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	6105 CLEARWATER DR, INDIAN TRAIL, NC 28079-8610
Transaction Type	Mortgage
Record Updated	Oct 9, 2023
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6105 CLEARWATER DR, INDIAN TRAIL, NC 28079-8610

Mortgage

Document Number	0008783547
Date	Sep 19, 2023
Book Page	8783/547
Instrument	22804

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	308 Months
Due	May 1, 2049

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	6105 CLEARWATER DR, INDIAN TRAIL, NC 28079-8610
Transaction Type	Mortgage
Record Updated	Apr 4, 2022
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008430273
Date	Mar 18, 2022
Book Page	8430/273
Instrument	10333

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	326 Months
Due	May 1, 2049

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	6105 CLEARWATER DR, INDIAN TRAIL, NC 28079-8610
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6105 CLEARWATER DR, INDIAN TRAIL, NC 28079-8610

Mortgage

Document Number	7894650
Date	Nov 20, 2020
Book Page	7894/650
Instrument	48436

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	337 Months
Due	Dec 1, 2048

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Nov 15, 2018
Property Address	6105 CLEARWATER DR, INDIAN TRAIL, NC 28079-8610
Document Number	0007268861
Book / Page	7268 / 861
Map Reference	MB 6 PG 150
Instrument Date	Nov 15, 2018
Instrument	0031847
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	$390.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4704 KIDDLE LN, 4704, MONROE, NC 28110-7663

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6105 CLEARWATER DR, INDIAN TRAIL, NC 28079-8610

Mortgage

Document Number	0000031848
Date	Nov 15, 2018
Instrument	0031848

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2048

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Mar 28, 2018
Property Address	6105 CLEARWATER DR, INDIAN TRAIL, NC 28079-8610
Document Number	7126560
Book / Page	007126 / 000560
Instrument Date	Mar 27, 2018
Instrument	7961
Transaction Type	Transfer
Record Updated	May 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$220.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4704 KIDDIE LN MONROE NC 28110, MONROE, NC 28110

Mortgage

Document Number	7127553
Date	Mar 28, 2018
Book Page	007127/000553
Instrument	8101

Lender

Name	KEVIN ZHANG
Address	9123 MAN OF WAR DR, WAXHAW, NC 28173-6650

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 6105 Clearwater Dr was $2,775.

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		$421,100 (-) Land $55,000 Building $366,100	$421,100 (-) Land $55,000 Building $366,100
2025	$2,775.00	$421,100 Land $55,000 Building $366,100	$421,100 Land $55,000 Building $366,100
2023	$2,236.00	$267,200 Land $32,200 Building $235,000	$267,200 Land $32,200 Building $235,000

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

Flood

FEMA maps place 6105 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 6105 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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