1006 Flat Rock Dr, Monroe, NC 28110 Property Records

Union County property record for 1006 Flat Rock Dr, Monroe, NC 28110

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,707 sqft · built 2018
Lot Size	1.24 acres (54,319 sqft)
Owner	2 Individual Names on Record
Last Sale	$56,000 (Sep 2018)
Tax Bill	$3,435 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Jun 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-072-083`

Property Details

APN / Parcel Number

Primary APN	`09-072-083`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,707 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Construction Type	Wood
Foundation Type	No Foundation
Roof Type	Gable
Lot Area	54,319 sqft (1.24 acres)
Garage Type	Attached
Garage Area	634 sqft
Porch	Slab
Porch Area	347 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1006 FLAT ROCK DR
City	MONROE
State	NC
Zip	28110-0027
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA-40 UNIO
Legal Description	#60 THE OAKS AT CAMDEN NORTH PHASE OPCO031
Legal Subdivision	THE OAKS AT CAMDEN
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	3
Census Block	3078
Census Tract	20100

Owner

Source: Union County records, as of March 31, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	1006 FLAT ROCK DR, MONROE, NC 28110-0027
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage WHITLEY MORTGAGE ASSOCIATES INC
Jun 17, 2019	Deed of Trust, Mortgage · Conventional Mortgage WHITLEY MORTGAGE ASSOCIATES INC
Sep 21, 2018	Warranty Deed, Construction Loan · Construction Mortgage SOUTH STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 21, 2018 · Amount on Record
Deed Sale	Sep 21, 2018 · Amount on Record
Deed Document Number	201826796
Deed Book / Page	7238 / 864
Record Updated	Jun 8, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1006 FLAT ROCK DR, MONROE, NC 28110-0027
Transaction Type	Mortgage
Record Updated	Aug 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007709845
Date	Jun 22, 2020
Book Page	7709/845
Instrument	22439

Lender

Name	WHITLEY MORTGAGE ASSOCIATES INC
Type	Mortgage Company
Address	MONROE, NC 28111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1006 FLAT ROCK DR, MONROE, NC 28110-0027
Transaction Type	Mortgage
Record Updated	Aug 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007394277
Date	Jun 17, 2019
Book Page	7394/277
Instrument	0016847

Lender

Name	WHITLEY MORTGAGE ASSOCIATES INC
Type	Mortgage Company
Address	MONROE, NC 28110

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

September 2018: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Sep 21, 2018
Property Address	1006 FLAT ROCK DR, MONROE, NC 28110-0027
Document Number	0007238864
Book / Page	7238 / 864
Map Reference	CAB N FILE 808-810
Instrument Date	Sep 20, 2018
Instrument	0026796
Transaction Type	Construction Loan
Record Updated	Aug 24, 2022

Transaction

Amount	Amount Recorded
Tax	$112.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1006 FLAT ROCK DR, MONROE, NC 28110-0027

Mortgage

Document Number	0000026797
Date	Sep 21, 2018
Instrument	0026797

Lender

Name	SOUTH STATE BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Type Change Date	Oct 1, 2025
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.37%
Index	1-Year LIBOR
Max Rate	9.37%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,435.00 (+23.43%)	$676,000 (+62.58%) Land $112,800 Building $563,200	$676,000 (+62.58%) Land $112,800 Building $563,200
2023	$2,783.00	$415,800 Land $58,500 Building $357,300	$415,800 Land $58,500 Building $357,300

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

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	1 in force

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

May also be available: Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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