7316 Cunningham Ln, Indian Trail, NC 28079 Property Records

Union County property record for 7316 Cunningham Ln, Indian Trail, NC 28079

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,112 sqft · built 1972
Lot Size	2.06 acres (89,734 sqft)
Owner	Individual Name on Record
Last Sale	$650,000 (Mar 2026)
Tax Bill	$1,798 (2025)
Deeds & Mortgages	Mar 2026 Sale Jan 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-015-004C`

Property Details

APN / Parcel Number

Primary APN	`07-015-004C`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,112 sqft Living Area
1st Floor Area	2,112 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Lot Area	89,734 sqft (2.06 acres)
Garage Type	Detached
Garage Area	1,440 sqft
Parking Spaces	5 Parking Spaces
Porch	Slab
Porch Area	240 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	7316 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	BRIDGES/HARRILL OPCM682
Jurisdiction	UNION NC
Township / Civil Division	VANCE
Census Block Group	1
Census Block	1011
Census Tract	20305

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	7316 CUNNINGHAM LN, INDIAN TRAIL, NC 28079-7574
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2026	Warranty Deed, Transfer
Jan 29, 2018	Deed of Trust, Mortgage · VA Mortgage MAJESTIC HM LNS
Jun 30, 2017	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 31, 2026 · Amount on Record
Deed Sale	Mar 31, 2026 · Amount on Record
Prior Sale	May 11, 2015 · Amount on Record
Deed Document Number	20268509
Deed Book / Page	9339 / 83
Record Updated	Oct 29, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Mar 31, 2026
Property Address	7316 CUNNINGHAM LN, INDIAN TRAIL, NC 28079-7574
Document Number	0000933983
Book / Page	9339 / 83
Map Reference	CAB M FILE 682
Instrument Date	Mar 31, 2026
Instrument	8509
Transaction Type	Transfer
Record Updated	Apr 15, 2026

Transaction

Amount	Amount Recorded
Tax	$1,300.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7316 CUNNINGHAM LN, INDIAN TRAIL, NC 28079-7574

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	7316 CUNNINGHAM LN, INDIAN TRAIL, NC 28079-7574
Document Number	7097228
Instrument Date	Jan 29, 2018
Transaction Type	Mortgage
Record Updated	Feb 26, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7316 CUNNINGHAM LN INDIAN TRAIL NC 280797574, INDIAN TRAIL, NC 28079-7574

Mortgage

Document Number	7097228
Date	Feb 2, 2018
Book Page	007097/000228
Instrument	2795

Lender

Name	MAJESTIC HM LNS
Type	Funding / Finance Company
Address	ONTARIO, CA 91761

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2048

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	7316 CUNNINGHAM LN, INDIAN TRAIL, NC 28079-7574
Document Number	6967268
Book / Page	006967 / 000268
Instrument Date	Jun 30, 2017
Transaction Type	Mortgage
Record Updated	Oct 31, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7316 CUNNINGHAM LN INDIAN TRAIL NC 280797574, INDIAN TRAIL, NC 28079-7574

Mortgage

Document Number	6967268
Date	Jul 5, 2017
Book Page	006967/000268
Instrument	19061

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 4, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$377,200 (-) Land $104,500 Building $272,700	$377,200 (-) Land $104,500 Building $272,700
2025	$1,798.00 (+21.49%)	$377,200 (+61.06%) Land $104,500 Building $272,700	$377,200 (+61.06%) Land $104,500 Building $272,700
2023	$1,480.00	$234,200 Land $50,100 Building $184,100	$234,200 Land $50,100 Building $184,100

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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