1049 Torrens Dr, Monroe, NC 28110 Property Records

Union County property record for 1049 Torrens Dr, Monroe, NC 28110

Property Summary

Property Type	Rural Home
Details	5 bd · 3 ba · 3,247 sqft · built 2017
Lot Size	0.712 acres (31,015 sqft)
Owner	2 Individual Names on File
Last Sale	$480,500 (Feb 2018)
Tax Bill	$4,472 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Feb 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`06-006-238`

Property Details

APN / Parcel Number

Primary APN	`06-006-238`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,247 sqft Living Area
1st Floor Area	2,534 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable
Lot Area	31,015 sqft (0.712 acres)
Garage Type	Attached
Garage Area	883 sqft
Porch	Slab
Porch Area	250 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1049 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	#58 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

1049 Torrens Dr, a rural home, is owned and occupied by two individuals who bought it in February 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	1049 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
Aug 19, 2022	Deed of Trust, Mortgage · Line of Credit SHARONVIEW FCU
Feb 4, 2022	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Oct 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Feb 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA
Feb 28, 2018	Grant Deed, Subdivision Related Transfer · Conventional Mortgage UWHARRIE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 28, 2018 · Amount on File
Deed Sale	Feb 28, 2018 · Amount on File
Deed Document Number	20185258
Deed Book / Page	7111 / 21
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1049 TORRENS DR, MONROE, NC 28110-0009
Transaction Type	Mortgage
Record Updated	Sep 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008552563
Date	Aug 19, 2022
Book Page	8552/563
Instrument	29459

Lender

Name	SHARONVIEW FCU
Type	Credit Union
Address	FORT MILL, SC 29716

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Jul 21, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1049 TORRENS DR, MONROE, NC 28110-0009
Transaction Type	Mortgage
Record Updated	Feb 16, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008391493
Date	Feb 4, 2022
Book Page	8391/493
Instrument	4493

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2037

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1049 TORRENS DR, MONROE, NC 28110-0009
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7834736
Date	Oct 5, 2020
Book Page	7834/736
Instrument	39980

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 1, 2035

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1049 TORRENS DR, MONROE, NC 28110-0009
Document Number	75831
Instrument Date	Feb 6, 2020
Transaction Type	Mortgage
Record Updated	Mar 5, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1049 TORRENS DR MONROE NC 281100009, MONROE, NC 28110-0009

Mortgage

Document Number	75831
Date	Feb 11, 2020
Book Page	007583/000001
Instrument	4630

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 10, 2050

February 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	UNION NC
Recording Date	Feb 28, 2018
Property Address	1049 TORRENS DR, MONROE, NC 28110-0009
Document Number	711121
Book / Page	007111 / 000021
Instrument Date	Feb 27, 2018
Instrument	5258
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 26, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$961.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1049 TORRENS DR MONROE NC 281100009, MONROE, NC 28110-0009

Mortgage

Document Number	711123
Date	Feb 28, 2018
Book Page	007111/000023
Instrument	5259

Lender

Name	UWHARRIE BK
Type	Bank
Address	ALBEMARLE, NC 28001

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 27, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 1049 Torrens Dr was $4,472.

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		$918,100 (-) Land $157,000 Building $761,100	$918,100 (-) Land $157,000 Building $761,100
2025	$4,472.00	$918,100 Land $157,000 Building $761,100	$918,100 Land $157,000 Building $761,100
2023	$3,991.00	$625,300 Land $99,000 Building $526,300	$625,300 Land $99,000 Building $526,300

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

Flood

FEMA maps place 1049 Torrens Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 1049 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.

Nearby Properties on Torrens Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures