1044 Torrens Dr, Monroe, NC 28110 Property Records

Union County property record for 1044 Torrens Dr, Monroe, NC 28110

Property Summary

Property Type	Rural Home
Details	4 bd · 3.5 ba · 2,898 sqft · built 2017
Lot Size	0.464 acres (20,212 sqft)
Owner	2 Individual Names on File
Last Sale	$390,000 (Nov 2017)
Tax Bill	$3,777 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Nov 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-006-219`

Property Details

APN / Parcel Number

Primary APN	`06-006-219`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,898 sqft Living Area
1st Floor Area	2,310 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Construction Type	Wood
Roof Type	Gable
Lot Area	20,212 sqft (0.464 acres)
Garage Type	Attached
Garage Area	461 sqft
Porch	Slab
Porch Area	256 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1044 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	#9 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

1044 Torrens Dr, a rural home, is owned and occupied by two individuals who bought it in November 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	1044 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
Sep 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Nov 30, 2017	Grant Deed, Subdivision Related Transfer · Conventional Mortgage UWHARRIE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 30, 2017 · Amount on File
Deed Sale	Nov 30, 2017 · Amount on File
Deed Document Number	201735014
Deed Book / Page	7062 / 50
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1044 TORRENS DR, MONROE, NC 28110-0009
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7815512
Date	Sep 21, 2020
Book Page	7815/512
Instrument	37341

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

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

November 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	UNION NC
Recording Date	Nov 30, 2017
Property Address	1044 TORRENS DR, MONROE, NC 28110-0009
Document Number	706250
Book / Page	007062 / 000050
Instrument Date	Nov 30, 2017
Instrument	35014
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$780.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1044 TORRENS DR MONROE NC 281100009, MONROE, NC 28110-0009

Mortgage

Document Number	706252
Date	Nov 30, 2017
Book Page	007062/000052
Instrument	35015

Lender

Name	UWHARRIE BK
Type	Bank
Address	ALBEMARLE, NC 28001

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 29, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1044 Torrens Dr was $3,777.

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		$775,600 (-) Land $157,000 Building $618,600	$775,600 (-) Land $157,000 Building $618,600
2025	$3,777.00	$775,600 Land $157,000 Building $618,600	$775,600 Land $157,000 Building $618,600
2023	$3,504.00	$549,000 Land $99,000 Building $450,000	$549,000 Land $99,000 Building $450,000

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

Flood

FEMA maps place 1044 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 1044 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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