1022 Flat Rock Dr, Monroe, NC 28110 Property Records

Union County property record for 1022 Flat Rock Dr, Monroe, NC 28110

Property Summary

Property Type	Other Improved
Details	built 2019
Lot Size	3.38 acres (147,538 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,254,000 (Jan 2025)
Tax Bill	$6,389 (2025)
Deeds & Mortgages	Jan 2025 Sale & Mortgage Mar 2020 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`09-072-116`

Property Details

APN / Parcel Number

Primary APN	`09-072-116`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Building Area	4,796 sqft Living Area
1st Floor Area	4,138 sqft
Basement Area	420 sqft
Unfinished Basement	420 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Brick
Lot Area	147,538 sqft (3.38 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1022 FLAT ROCK DR
City	MONROE
State	NC
Zip	28110-0027
Property Category	Other
Property Type	Other > Other Improved
Local Zoning Code	RA-40 UNIO
Legal Description	#96 & #94 THE OAKS AT CAMDEN NORTH PHASE OPCO566
Legal Subdivision	THE OAKS AT CAMDEN NORTH PHASE
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	3
Census Block	3078
Census Tract	20100

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	2 Individual Names on Record
Mailing Address	1022 FLAT ROCK DR, MONROE, NC 28110-0027
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 2, 2025	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Mar 25, 2020	Loan Modification, Mortgage FIRST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 2, 2025 · Amount on Record
Deed Sale	Jan 2, 2025 · Amount on Record
Prior Sale	Feb 19, 2019 · Amount on Record
Deed Document Number	202569
Deed Book / Page	9040 / 173
Record Updated	Oct 29, 2026

January 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Jan 2, 2025
Property Address	1022 FLAT ROCK DR, MONROE, NC 28110-0027
Document Number	0009040173
Book / Page	9040 / 173
Map Reference	CAB O FILE 566
Instrument Date	Jan 2, 2025
Instrument	69
Transaction Type	Transfer
Record Updated	Mar 31, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,508.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1021 MCCOLLUM OAKS LN, MONROE, NC 28110-0029

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1022 FLAT ROCK DR, MONROE, NC 28110-0027

Mortgage

Document Number	0000000070
Date	Jan 2, 2025
Instrument	70

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2055

March 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	UNION NC
Property Address	2008 DUNTOV DR, MONROE, NC 28110
Document Number	7626478
Instrument Date	Mar 25, 2020
Transaction Type	Mortgage
Record Updated	Jun 1, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1022 FLAT ROCK DR MONROE NC 281100027, MONROE, NC 28110-0027

Mortgage

Document Number	7626478
Date	Apr 1, 2020
Book Page	007626/000478
Instrument	10988

Lender

Name	FIRST BK
Type	Bank
Address	GREENSBORO, NC 27401

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 31, 2050

Interest

Rate Type	Fixed Rate
Rate	3.5%

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
2026		$1,257,300 (-) Land $127,000 Building $1,130,300	$1,257,300 (-) Land $127,000 Building $1,130,300
2025	$6,389.00 (+37.07%)	$1,257,300 (+80.54%) Land $127,000 Building $1,130,300	$1,257,300 (+80.54%) Land $127,000 Building $1,130,300
2023	$4,661.00	$696,400 Land $67,900 Building $628,500	$696,400 Land $67,900 Building $628,500

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

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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Flat Rock Dr

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