1007 Monaco Ct, Indian Trail, NC 28079 Property Records

Union County property record for 1007 Monaco Ct, Indian Trail, NC 28079

Property Summary

Property Type	Rural Home
Details	4 bd · 2.5 ba · 2,845 sqft · built 2005
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Last Sale	$303,000 (Jul 2006)
Tax Bill	$3,871 (2025)
Deeds & Mortgages	Oct 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-114-416`

Property Details

APN / Parcel Number

Primary APN	`07-114-416`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,845 sqft Living Area
1st Floor Area	1,749 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	438 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1007 MONACO CT
City	INDIAN TRAIL
State	NC
Zip	28079-3685
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	SF-3 INDIA
Legal Description	#56 COLTON RIDGE MP1 PH1 OPCF984
Legal Subdivision	COLTON RIDGE
Legal Lot Number	56
Jurisdiction	UNION NC
Township / Civil Division	VANCE
Census Block Group	1
Census Block	1013
Census Tract	20316

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	1007 MONACO CT, INDIAN TRAIL, NC 28079-3685
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 12, 2006 · Amount on Record
Deed Sale	Jul 12, 2006 · Amount on Record
Deed Document Number	200631145
Deed Book / Page	4227 / 51
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1007 MONACO CT, INDIAN TRAIL, NC 28079-3685
Transaction Type	Mortgage
Record Updated	Nov 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	8286720
Date	Oct 21, 2021
Book Page	8286/720
Instrument	50254

Lender

Name	FOUNDERS FCU
Type	Credit Union
Address	LANCASTER, SC 29720

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 5, 2051

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Oct 5, 2028
Change Frequency	Annually
Min Rate At Change	2%
Max Rate At Change	6%
Index	1-Year CMT
Max Rate	10%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$586,100 (-) Land $95,700 Building $490,400	$586,100 (-) Land $95,700 Building $490,400
2025	$3,871.00 (+33.16%)	$586,100 (+68.56%) Land $95,700 Building $490,400	$586,100 (+68.56%) Land $95,700 Building $490,400
2023	$2,907.00	$347,700 Land $58,000 Building $289,700	$347,700 Land $58,000 Building $289,700

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	2 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 301 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ripple Fiber Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Windstream DSL · Fiber in parts of the area	200 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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