7028 Cunningham Ln, Indian Trail, NC 28079 Property Records

Union County property record for 7028 Cunningham Ln, Indian Trail, NC 28079

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,867 sqft · built 2000
Lot Size	7.89 acres (343,688 sqft)
Owner	2 Individual Names on File
Last Sale	$845,000 (Sep 2022)
Tax Bill	$4,267 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-018-013O`

Property Details

APN / Parcel Number

Primary APN	`07-018-013O`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,867 sqft Living Area
1st Floor Area	2,357 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	343,688 sqft (7.89 acres)
Garage Type	Detached
Garage Area	1,798 sqft
Parking Spaces	6 Parking Spaces
Porch	Slab
Porch Area	586 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	7028 CUNNINGHAM LN
City	INDIAN TRAIL
State	NC
Zip	28079-7571
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA-40 UNIO
Legal Description	#4 RITCH ACRES
Legal Subdivision	RITCH ACRES SUBDIVISION
Jurisdiction	UNION NC
Township / Civil Division	VANCE
Census Block Group	1
Census Block	1023
Census Tract	20305

Owner

7028 Cunningham Ln is owned and occupied by two individuals who bought it in September 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	7028 CUNNINGHAM LN, INDIAN TRAIL, NC 28079-7571
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2022 · Amount on File
Deed Sale	Sep 30, 2022 · Amount on File
Prior Sale	Apr 1, 1997 · Amount on File
Deed Document Number	202234224
Deed Book / Page	8583 / 713
Record Updated	Oct 29, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Sep 30, 2022
Property Address	7028 CUNNINGHAM LN, INDIAN TRAIL, NC 28079-7571
Document Number	0008583713
Book / Page	8583 / 713
Map Reference	CAB D FILE 948
Instrument Date	Sep 30, 2022
Instrument	34224
Transaction Type	Transfer
Record Updated	Oct 18, 2022
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,690.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5702 BEVERLY DR, 5702, INDIAN TRAIL, NC 28079-8539

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	7028 CUNNINGHAM LN, INDIAN TRAIL, NC 28079-7571

Mortgage

Document Number	0000034225
Date	Sep 30, 2022
Instrument	34225

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 7028 Cunningham Ln was $4,267.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$894,800 (-) Land $309,600 Building $585,200	$894,800 (-) Land $309,600 Building $585,200
2025	$4,267.00	$894,800 Land $309,600 Building $585,200	$894,800 Land $309,600 Building $585,200
2023	$3,381.00	$534,900 Land $127,000 Building $407,900	$534,900 Land $127,000 Building $407,900

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

Flood

FEMA maps place 7028 Cunningham Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2003.

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	7 in force
Nearby Flood Claims	1 (2003)
Most Recent Claim	Aug 2003 · tidal / storm surge

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 7028 Cunningham 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	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 28 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20
T-Mobile Fixed Wireless	100 / 20