1109 Colonel Light Dr, Monroe, NC 28110 Property Records

Union County property record for 1109 Colonel Light Dr, Monroe, NC 28110

Property Summary

Property Type	Rural Home
Details	4 bd · 3 ba · 3,037 sqft · built 2016
Lot Size	0.486 acres (21,170 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,757 (2025)
Deeds & Mortgages	Jul 2019 Mortgage Sep 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`06-006-222`

Property Details

APN / Parcel Number

Primary APN	`06-006-222`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	3,037 sqft Living Area
1st Floor Area	2,437 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	21,170 sqft (0.486 acres)
Garage Type	Attached
Garage Area	252 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	212 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1109 COLONEL LIGHT DR
City	MONROE
State	NC
Zip	28110-0010
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R-40 UNION
Legal Description	#12 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

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	1109 COLONEL LIGHT DR, MONROE, NC 28110-0010
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2019	Deed of Trust, Mortgage · Conventional Mortgage CERTAINTY HOME LOANS LLC
Sep 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Nov 21, 2019	Deed of Trust, Mortgage · Conventional Mortgage BRANCH BK&TR
Nov 14, 2017	Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR
Apr 27, 2017	Grant Deed, Subdivision Related Transfer · Conventional Mortgage NEW YORK CMNTY BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1109 COLONEL LIGHT DR, MONROE, NC 28110-0010
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7428492
Date	Jul 31, 2019
Book Page	7428/492
Instrument	0022160

Lender

Name	CERTAINTY HOME LOANS LLC
Type	Mortgage Company
Address	PLANO, TX 75093

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1109 COLONEL LIGHT DR, MONROE, NC 28110-0010
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7828831
Date	Sep 30, 2020
Book Page	7828/831
Instrument	39168

Lender

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

Agreement

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

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1109 COLONEL LIGHT DR, MONROE, NC 28110-0010
Document Number	7531705
Instrument Date	Nov 21, 2019
Transaction Type	Mortgage
Record Updated	Dec 30, 2019
Title Company	LENDER RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1109 COLONEL LIGHT DR MONROE NC 281100010, MONROE, NC 28110-0010

Mortgage

Document Number	7531705
Date	Dec 4, 2019
Book Page	007531/000705
Instrument	37830

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1109 COLONEL LIGHT DR, MONROE, NC 28110-0010
Document Number	7060112
Book / Page	007060 / 000112
Instrument Date	Nov 14, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018
Title Company	LENDER RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1109 COLONEL LIGHT DR MONROE NC 281100010, MONROE, NC 28110-0010

Mortgage

Document Number	7060112
Date	Nov 28, 2017
Book Page	007060/000112
Instrument	34717

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

April 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	UNION NC
Recording Date	Apr 27, 2017
Property Address	1109 COLONEL LIGHT DR, MONROE, NC 28110-0010
Document Number	6920609
Book / Page	006920 / 000609
Instrument Date	Apr 27, 2017
Instrument	11513
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 5, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$800.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1109 COLONEL LIGHT DR MONROE NC 281100010, MONROE, NC 28110-0010

Mortgage

Document Number	6920611
Date	Apr 27, 2017
Book Page	006920/000611
Instrument	11514

Lender

Name	NEW YORK CMNTY BK
Type	Bank
Address	CLEVELAND, OH 44114

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 26, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.87%

Tax Assessment & Valuation

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		$771,300 (-) Land $157,000 Building $614,300	$771,300 (-) Land $157,000 Building $614,300
2025	$3,757.00 (+10.57%)	$771,300 (+44.87%) Land $157,000 Building $614,300	$771,300 (+44.87%) Land $157,000 Building $614,300
2023	$3,398.00	$532,400 Land $99,000 Building $433,400	$532,400 Land $99,000 Building $433,400

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	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

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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