1048 Torrens Dr, Monroe, NC 28110 Property Records

Union County property record for 1048 Torrens Dr, Monroe, NC 28110

Property Summary

Property Type	Rural Home
Details	4 bd · 3.5 ba · 3,037 sqft · built 2016
Lot Size	0.58 acres (25,265 sqft)
Owner	Individual Name on File
Last Sale	$445,000 (Jun 2019)
Tax Bill	$3,618 (2025)
Deeds & Mortgages	Sep 2018 Mortgage Mar 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-006-220`

Property Details

APN / Parcel Number

Primary APN	`06-006-220`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	3,037 sqft Living Area
1st Floor Area	2,284 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Conventional
Construction Type	Wood
Roof Type	Gable
Lot Area	25,265 sqft (0.58 acres)
Garage Type	Attached
Garage Area	680 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	153 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1048 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	#10 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

1048 Torrens Dr, a rural home, is owned and occupied by an individual who bought it in June 2019.

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

Owner of Record	Individual Name on File
Mailing Address	1048 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 4, 2018	Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK
Mar 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage NFM LNDG
Jun 19, 2019	Warranty Deed, Transfer · Conventional Mortgage NFM LNDG
Nov 17, 2017	Special Warranty Deed, Subdivision Related Transfer · VA Mortgage MOVEMENT MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 19, 2019 · Amount on File
Deed Sale	Jun 19, 2019 · Amount on File
Prior Sale	Nov 17, 2017 · Amount on File
Deed Document Number	201917172
Deed Book / Page	7396 / 298
Record Updated	Oct 29, 2026

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1048 TORRENS DR, MONROE, NC 28110-0009
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7229117
Date	Sep 4, 2018
Book Page	7229/117
Instrument	0025112

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60607

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2048

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1048 TORRENS DR, MONROE, NC 28110-0009
Document Number	7612168
Instrument Date	Mar 13, 2020
Transaction Type	Mortgage
Record Updated	May 22, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1048 TORRENS DR MONROE NC 281100009, MONROE, NC 28110-0009

Mortgage

Document Number	7612168
Date	Mar 18, 2020
Book Page	007612/000168
Instrument	9027

Lender

Name	NFM LNDG
Address	LINTHICUM, MD 21090

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Mar 17, 2040

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Jun 19, 2019
Property Address	1048 TORRENS DR, MONROE, NC 28110-0009
Document Number	7396298
Book / Page	007396 / 000298
Instrument Date	Jun 19, 2019
Instrument	17172
Transaction Type	Transfer
Record Updated	Jul 4, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$890.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1048 TORRENS DR MONROE NC 281100009, MONROE, NC 28110-0009

Mortgage

Document Number	7396300
Date	Jun 19, 2019
Book Page	007396/000300
Instrument	17173

Lender

Name	NFM LNDG
Address	LINTHICUM, MD 21090

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 18, 2049

November 2017: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	UNION NC
Recording Date	Nov 17, 2017
Property Address	1048 TORRENS DR, MONROE, NC 28110-0009
Document Number	0007056198
Book / Page	7056 / 198
Map Reference	CAB N FILES 236-238
Instrument Date	Nov 17, 2017
Instrument	0034013
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	$800.00
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	1048 TORRENS DR, MONROE, NC 28110-0009

Mortgage

Document Number	0000034014
Date	Nov 17, 2017
Instrument	0034014

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1048 Torrens Dr was $3,618.

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		$742,900 (-) Land $157,000 Building $585,900	$742,900 (-) Land $157,000 Building $585,900
2025	$3,618.00	$742,900 Land $157,000 Building $585,900	$742,900 Land $157,000 Building $585,900
2023	$3,266.00	$511,700 Land $99,000 Building $412,700	$511,700 Land $99,000 Building $412,700

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

Flood

FEMA maps place 1048 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 1048 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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