1021 Torrens Dr, Monroe, NC 28110 Property Records

Union County property record for 1021 Torrens Dr, Monroe, NC 28110

Property Summary

Property Type	Rural Home
Details	6 bd · 4 ba · 3,587 sqft · built 2016
Lot Size	0.742 acres (32,322 sqft)
Owner	Individual Name on File
Last Sale	$414,000 (Dec 2016)
Tax Bill	$4,074 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Aug 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-006-245`

Property Details

APN / Parcel Number

Primary APN	`06-006-245`

Interior

Bedrooms	6 Beds
Full Baths	4 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,587 sqft Living Area
1st Floor Area	2,460 sqft
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Construction Type	Wood
Roof Type	Gable
Lot Area	32,322 sqft (0.742 acres)
Garage Type	Attached
Garage Area	658 sqft
Porch	Slab
Porch Area	90 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1021 TORRENS DR
City	MONROE
State	NC
Zip	28110-0009
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R-40 UNION
Legal Description	#65 ADELAIDE ESTATES MAP1 OPCN185-187 OPCN236-238
Legal Subdivision	ADELAIDE ESTATES
Jurisdiction	UNION NC
Township / Civil Division	SANDY RIDGE
Census Block Group	2
Census Block	2011
Census Tract	20308

Owner

1021 Torrens Dr, a rural home, is owned and occupied by an individual who bought it in December 2016.

Source: Union County records, as of October 20, 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 File
Mailing Address	1021 TORRENS DR, MONROE, NC 28110-0009
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 22, 2025	Deed of Trust, Mortgage · Conventional Mortgage ADVANTAGEFIRST LENDING INC
Aug 31, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 28, 2016 · Amount on File
Deed Sale	Dec 28, 2016 · Amount on File
Deed Document Number	201640848
Deed Book / Page	6850 / 585
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1021 TORRENS DR, MONROE, NC 28110-0009
Transaction Type	Mortgage
Record Updated	Nov 5, 2025
Title Company	UNKNOWN, SILK TITLE AND ESCROW FT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1021 TORRENS DR, MONROE, NC 28110-0009

Mortgage

Document Number	0009227537
Date	Oct 22, 2025
Book Page	9227/537
Instrument	27645

Lender

Name	ADVANTAGEFIRST LENDING INC
Type	Lending Institution
Address	LAKE FOREST, CA 92630

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1021 TORRENS DR, MONROE, NC 28110-0009
Transaction Type	Mortgage
Record Updated	Sep 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	8225852
Date	Aug 31, 2021
Book Page	8225/852
Instrument	41350

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 1021 Torrens Dr was $4,074.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$836,400 (-) Land $157,000 Building $679,400	$836,400 (-) Land $157,000 Building $679,400
2025	$4,074.00	$836,400 Land $157,000 Building $679,400	$836,400 Land $157,000 Building $679,400
2023	$3,721.00	$582,900 Land $99,000 Building $483,900	$582,900 Land $99,000 Building $483,900

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

Flood

FEMA maps place 1021 Torrens Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 1021 Torrens 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Ripple Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

May also be available: Comporium, T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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