1007 Legacy Lake Dr, Monroe, NC 28110 Property Records

Union County property record for 1007 Legacy Lake Dr, Monroe, NC 28110

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,481 sqft · built 1998
Lot Size	1.16 acres (50,530 sqft)
Owner	2 Individual Names on File
Last Sale	$414,000 (Dec 2017)
Tax Bill	$5,608 (2025)
Deeds & Mortgages	Aug 2023 Line of Credit Apr 2023 Second Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`09-105-162`

Property Details

APN / Parcel Number

Primary APN	`09-105-162`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	2,481 sqft Living Area
Gross Area	2,921 sqft
1st Floor Area	2,481 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	50,530 sqft (1.16 acres)
View / Lot	Waterfront / Beach
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	288 sqft
Greenhouse	Greenhouse

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1007 LEGACY LAKE DR
City	MONROE
State	NC
Zip	28110-8888
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-40 MONRO
Legal Description	#22 LEGACY ON THE LAKE OPCD811
Legal Subdivision	LEGACY ON THE LAKE
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	3
Census Block	3020
Census Tract	20601

Owner

1007 Legacy Lake Dr is owned and occupied by two individuals who bought it in December 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	1007 LEGACY LAKE DR, MONROE, NC 28110-8888
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

Date	Document
Aug 30, 2023	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Apr 28, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC
Feb 28, 2022	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA
May 20, 2019	Deed of Trust, Mortgage · Closed-End Mortgage PNC BANK NA
Dec 20, 2017	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 20, 2017 · Amount on File
Deed Sale	Dec 20, 2017 · Amount on File
Prior Sale	Jan 9, 2015 · Amount on File
Deed Document Number	201737085
Deed Book / Page	7074 / 602
Prior Transfer Date	Jun 13, 2014
Prior Transfer Doc	6242383
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1007 LEGACY LAKE DR, MONROE, NC 28110-8888
Transaction Type	Mortgage
Record Updated	Sep 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1007 LEGACY LAKE DR, MONROE, NC 28110-8888

Mortgage

Document Number	0008772344
Date	Aug 30, 2023
Book Page	8772/344
Instrument	21097

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Aug 24, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1007 LEGACY LAKE DR, MONROE, NC 28110-8888
Transaction Type	Mortgage
Record Updated	May 16, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008698667
Date	Apr 28, 2023
Book Page	8698/667
Instrument	9950

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	WAYNE, PA 19087

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	122 Months
Due	Jun 1, 2033

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1007 LEGACY LAKE DR, MONROE, NC 28110-8888
Transaction Type	Mortgage
Record Updated	Mar 14, 2022
Title Company	NATIONALLINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000841153
Date	Feb 28, 2022
Book Page	8411/53
Instrument	7461

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

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

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1007 LEGACY LAKE DR, MONROE, NC 28110-8888
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7373297
Date	May 20, 2019
Book Page	7373/297
Instrument	0013410

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	240 Months
Due	May 15, 2039

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Dec 20, 2017
Property Address	1007 LEGACY LAKE DR, MONROE, NC 28110-8888
Document Number	0007074602
Book / Page	7074 / 602
Map Reference	CAB D FILE 811
Instrument Date	Dec 19, 2017
Instrument	0037085
Transaction Type	Transfer
Record Updated	Dec 14, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$828.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2928 DAIRY FARM DR, 2928, MONROE, NC 28110-5613

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1007 LEGACY LAKE DR, MONROE, NC 28110-8888
Investor	Possibly a Property Investor

Mortgage

Document Number	0000037086
Date	Dec 20, 2017
Instrument	0037086

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 1007 Legacy Lake Dr was $5,608.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$641,600 (-) Land $165,600 Building $476,000	$641,600 (-) Land $165,600 Building $476,000
2025	$5,608.00	$641,600 Land $165,600 Building $476,000	$641,600 Land $165,600 Building $476,000
2023	$4,087.00	$374,800 Land $53,000 Building $321,800	$374,800 Land $53,000 Building $321,800

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

Flood

FEMA maps place 1007 Legacy Lake Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2016)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 2016 · river or lake flooding

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 1007 Legacy Lake Dr 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	CITY OF MONROE serves 43,081 people · EPA ID NC0190010
Water Source	Surface water
Last State Inspection	Nov 2025
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Aug 2025
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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 40 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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