1040 Torrens Dr, Monroe, NC 28110 Property Records

Union County property record for 1040 Torrens Dr, Monroe, NC 28110

Property Summary

Property Type	Rural Home
Details	5 bd · 4.5 ba · 3,864 sqft · built 2017
Lot Size	0.483 acres (21,039 sqft)
Owner	Individual Name on File
Last Sale	$785,000 (Jul 2023)
Tax Bill	$4,096 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Sep 2021 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`06-006-218`

Property Details

APN / Parcel Number

Primary APN	`06-006-218`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	3,864 sqft Living Area
1st Floor Area	1,772 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Construction Type	Wood
Roof Type	Gable
Lot Area	21,039 sqft (0.483 acres)
Garage Type	Attached
Garage Area	700 sqft
Porch	Slab
Porch Area	216 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1040 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	#8 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	2009
Census Tract	20308

Owner

1040 Torrens Dr, a rural home, is owned and occupied by an individual who bought it in July 2023.

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

Owner of Record	Individual Name on File
Mailing Address	1040 TORRENS DR, MONROE, NC 28110-0009
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
Jul 12, 2023	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Sep 27, 2021	Deed of Trust, Mortgage · Line of Credit ALLEGACY FCU
Sep 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage MOVEMENT MORTGAGE
Jan 10, 2019	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE
Apr 6, 2018	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage SUMMIT FUNDING INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 12, 2023 · Amount on File
Deed Sale	Jul 12, 2023 · Amount on File
Prior Sale	Jan 10, 2019 · Amount on File
Deed Document Number	202316693
Deed Book / Page	8743 / 486
Record Updated	Oct 29, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Jul 12, 2023
Property Address	1040 TORRENS DR, MONROE, NC 28110-0009
Document Number	0008743486
Book / Page	8743 / 486
Map Reference	CAB N FILE 236-238
Instrument Date	Jul 12, 2023
Instrument	16693
Transaction Type	Transfer
Record Updated	Jul 31, 2023
Title Company	NOT AVAILABLE, CLOSED TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,570.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12313 LANDRY RENEE PL, CHARLOTTE, NC 28277-5010

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1040 TORRENS DR, MONROE, NC 28110-0009

Mortgage

Document Number	0000016694
Date	Jul 12, 2023
Instrument	16694

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1040 TORRENS DR, MONROE, NC 28110-0009
Transaction Type	Mortgage
Record Updated	Oct 6, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	8257352
Date	Sep 27, 2021
Book Page	8257/352
Instrument	45814

Lender

Name	ALLEGACY FCU
Type	Credit Union
Address	WINSTON SALEM, NC 27114

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 26, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1040 TORRENS DR, MONROE, NC 28110-0009
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7822605
Date	Sep 25, 2020
Book Page	7822/605
Instrument	38347

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company
Address	FORT MILL, SC 29707

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Jan 10, 2019
Property Address	1040 TORRENS DR, MONROE, NC 28110-0009
Document Number	0007296509
Book / Page	7296 / 509
Map Reference	CAB N FILE 236-238
Instrument Date	Jan 10, 2019
Instrument	0000661
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	$931.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	145 HIGHCLERE DR, 145, WAXHAW, NC 28173-6331

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1040 TORRENS DR, MONROE, NC 28110-0009

Mortgage

Document Number	0000000662
Date	Jan 10, 2019
Instrument	0000662

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2049

April 2018: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	UNION NC
Recording Date	Apr 6, 2018
Property Address	1040 TORRENS DR, MONROE, NC 28110-0009
Document Number	0007132665
Book / Page	7132 / 665
Map Reference	CAB N FILE 236-238
Instrument Date	Feb 27, 2018
Instrument	0009009
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 14, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$850.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5615 POTTER RD, 5615, MATTHEWS, NC 28104-0508

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1040 TORRENS DR, MONROE, NC 28110-0009

Mortgage

Document Number	0000009010
Date	Apr 6, 2018
Instrument	0009010

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 1040 Torrens Dr was $4,096.

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		$841,000 (-) Land $157,000 Building $684,000	$841,000 (-) Land $157,000 Building $684,000
2025	$4,096.00	$841,000 Land $157,000 Building $684,000	$841,000 Land $157,000 Building $684,000
2023	$3,636.00	$569,600 (-) Land $99,000 Building $470,600	$569,600 (-) Land $99,000 Building $470,600
2022	$3,636.00	$569,600 Land $99,000 Building $470,600	$569,600 Land $99,000 Building $470,600

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

Flood

FEMA maps place 1040 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 1040 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	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 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.

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