Union County property record for 7303 Cunningham Ln, Indian Trail, NC 28079
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 2 ba · 2,632 sqft · built 1992 |
| Lot Size | 3.89 acres (169,492 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,638 (2025) |
| Deeds & Mortgages | Apr 2024 Mortgage Nov 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-015-001D |
| Primary APN | 07-015-001D |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,632 sqft Living Area |
| Gross Area | 1,568 sqft |
| 1st Floor Area | 2,632 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 169,492 sqft (3.89 acres) |
| Garage Type | Detached |
| Garage Area | 1,008 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 1,520 sqft |
| Deck Area | 256 sqft |
| Patio Area | 256 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 7303 CUNNINGHAM LN |
|---|---|
| City | INDIAN TRAIL |
| State | NC |
| Zip | 28079-7574 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA-40 UNIO |
| Legal Description | #3 NANCE |
| Legal Subdivision | 4729900; #3 NANCE |
| Legal Lot Number | 3 |
| Jurisdiction | UNION NC |
| Township / Civil Division | VANCE |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 20305 |
7303 Cunningham Ln is owned and occupied by two individuals who acquired it in September 1997.
Source: Union County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 7303 CUNNINGHAM LN, INDIAN TRAIL, NC 28079-7574 |
| 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.
| Date | Document |
|---|---|
| Apr 1, 2024 | Deed of Trust, Mortgage · FHA Mortgage LOAN PRONTO INC |
| Nov 29, 2022 | Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 5, 1997 |
| Deed Sale | Sep 5, 1997 |
| Deed Book / Page | 1007 / 519 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 7303 CUNNINGHAM LN, INDIAN TRAIL, NC 28079-7574 |
| Transaction Type | Mortgage |
| Record Updated | Apr 15, 2024 |
| Name | Verified Name |
|---|---|
| Address | 7303 CUNNINGHAM LN, INDIAN TRAIL, NC 28079-7574 |
| Document Number | 0008878686 |
|---|---|
| Date | Apr 1, 2024 |
| Book Page | 8878/686 |
| Instrument | 7083 |
| Name | LOAN PRONTO INC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28208 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 7303 CUNNINGHAM LN, INDIAN TRAIL, NC 28079-7574 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2022 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0008615619 |
|---|---|
| Date | Nov 29, 2022 |
| Book Page | 8615/619 |
| Instrument | 39326 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45227 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Dec 1, 2042 |
The 2025 property tax bill for 7303 Cunningham Ln was $1,638.
Source: Union County assessment roll, as of March 31, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Union County |
| Unified School District | Union County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $343,500 (-) Land $168,900 Building $174,600 | $343,500 (-) Land $168,900 Building $174,600 | |
| 2025 | $1,638.00 | $343,500 Land $168,900 Building $174,600 | $343,500 Land $168,900 Building $174,600 |
| 2023 | $902.00 | $142,700 Land $76,100 Building $66,600 | $142,700 Land $76,100 Building $66,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 7303 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 risk around 7303 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 28 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Ripple Fiber Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 35 |
| Windstream DSL | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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