Union County property record for 7402 Cunningham Ln, Indian Trail, NC 28079
| Property Type | Rural Home |
|---|---|
| Details | 1 bd |
| Lot Size | 0.54 acres (23,522 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $695,000 (Dec 2025) |
| Tax Bill | $127 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage Dec 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-015-004A |
| Primary APN | 07-015-004A |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Total Rooms | 2 Rooms |
| Lot Area | 23,522 sqft (0.54 acres) |
|---|
| Sewer | Septic |
|---|---|
| Water Source | Commercial |
| Street Address | 7402 CUNNINGHAM LN |
|---|---|
| City | INDIAN TRAIL |
| State | NC |
| Zip | 28079-7575 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | RA-40 UNIO |
| Legal Description | PORTER CUNNINGHAM LN |
| Jurisdiction | UNION NC |
| Township / Civil Division | VANCE |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 20305 |
Source: Union County records, as of March 31, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 6123 LAKE PROVIDENCE LN, CHARLOTTE, NC 28277-0564 |
| Owner Type | Individual |
| Vesting | Married Woman, Separate Property |
| Date | Document |
|---|---|
| Feb 13, 2026 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN SECURITY MORTGAGE CORP |
| Dec 11, 2025 | Warranty Deed, Transfer · Conventional Mortgage AMERICAN SECURITY MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 11, 2025 · Amount on Record |
| Deed Sale | Dec 11, 2025 · Amount on Record |
| Deed Document Number | 202532833 |
| Deed Book / Page | 9264 / 257 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 7402 CUNNINGHAM LN, INDIAN TRAIL, NC 28079-7575 |
| Transaction Type | Mortgage |
| Record Updated | Mar 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000930452 |
|---|---|
| Date | Feb 13, 2026 |
| Book Page | 9304/52 |
| Instrument | 3623 |
| Name | AMERICAN SECURITY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28207 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jan 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.87% |
| Type Change Date | Jan 1, 2031 |
| Change Frequency | Annually |
| Min Rate At Change | 3.87% |
| Max Rate At Change | 7.87% |
| Index | 1-Year T-Bill |
| Max Rate | 11.8% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Dec 11, 2025 |
| Property Address | 7402 CUNNINGHAM LN, INDIAN TRAIL, NC 28079-7575 |
| Document Number | 0009264257 |
| Book / Page | 9264 / 257 |
| Instrument Date | Dec 10, 2025 |
| Instrument | 32833 |
| Transaction Type | Transfer |
| Record Updated | Jan 2, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,390.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3611 E BRIEF RD, MONROE, NC 28110-1019 |
| Name | Verified Name |
|---|---|
| Address | 6123 LAKE PROVIDENCE LN, CHARLOTTE, NC 28277-0564 |
| Document Number | 0000032834 |
|---|---|
| Date | Dec 11, 2025 |
| Instrument | 32834 |
| Name | AMERICAN SECURITY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.87% |
| Type Change Date | Jan 1, 2031 |
| Change Frequency | Annually |
| Min Rate At Change | 3.87% |
| Max Rate At Change | 7.87% |
| Index | 1-Year T-Bill |
| Max Rate | 11.8% |
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 |
|---|---|---|---|
| 2025 | $127.00 (+1.6%) | $26,700 (+34.85%) Land $9,500 Building $17,200 | $26,700 (+34.85%) Land $9,500 Building $17,200 |
| 2023 | $125.00 | $19,800 Land $7,700 Building $12,100 | $19,800 Land $7,700 Building $12,100 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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.
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 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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