1127 Turtle Ridge Dr, Monroe, NC 28110 Property Records

Union County property record for 1127 Turtle Ridge Dr, Monroe, NC 28110

Property Summary

Property Type	Rural Home
Details	4 bd · 2.5 ba · 1,855 sqft · built 2018
Lot Size	0.184 acres (8,015 sqft)
Owner	Individual Name on Record
Last Sale	$335,000 (Dec 2024)
Tax Bill	$2,639 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Jan 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-027-603`

Property Details

APN / Parcel Number

Primary APN	`07-027-603`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,855 sqft Living Area
1st Floor Area	707 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Construction Type	Wood
Roof Type	Gable
Lot Area	8,015 sqft (0.184 acres)
Garage Type	Attached
Garage Area	441 sqft
Porch	Slab
Porch Area	84 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1127 TURTLE RIDGE DR
City	MONROE
State	NC
Zip	28110-7103
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	SF-5 INDIA
Legal Description	#80 LAUREL CREEK OPCH550-551
Legal Subdivision	LAUREL CREEK
Jurisdiction	UNION NC
Township / Civil Division	VANCE
Census Block Group	3
Census Block	3001
Census Tract	20321

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	Individual Name on Record
Mailing Address	8047 STEVENS MILL RD, MATTHEWS, NC 28104-0621
Owner Type	Individual
Vesting	Married

Deeds, Mortgages & Sale History

Date	Document
Apr 18, 2022	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jan 7, 2021	Deed of Trust, Mortgage · VA Mortgage CLEARPATH LENDING
Feb 27, 2019	Warranty Deed, Subdivision Related Transfer · VA Mortgage NORTH AMERICAN SAVINGS BANK FSB
Feb 27, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 4, 2024 · Amount on Record
Deed Sale	Dec 4, 2024 · Amount on Record
Prior Sale	Feb 27, 2019 · Amount on Record
Deed Document Number	202428992
Deed Book / Page	9024 / 360
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1127 TURTLE RIDGE DR, MONROE, NC 28110-7103
Transaction Type	Mortgage
Record Updated	May 3, 2022
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSINGS SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008455395
Date	Apr 18, 2022
Book Page	8455/395
Instrument	14218

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1127 TURTLE RIDGE DR, MONROE, NC 28110-7103
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	VANTAGE POINT TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	794680
Date	Jan 7, 2021
Book Page	7946/80
Instrument	703

Lender

Name	CLEARPATH LENDING
Type	Lending Institution
Address	IRVINE, CA 92618

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

February 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Feb 27, 2019
Property Address	1127 TURTLE RIDGE DR, MONROE, NC 28110-7103
Document Number	0007320306
Book / Page	7320 / 306
Map Reference	CAB H FILE 550&551
Instrument Date	Feb 6, 2019
Instrument	0004853
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 14, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$466.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2675 OLD CHARLOTTE HWY, 2675, MONROE, NC 28110-7364

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1127 TURTLE RIDGE DR, MONROE, NC 28110-7103

Mortgage

Document Number	0000004854
Date	Feb 27, 2019
Instrument	0004854

Lender

Name	NORTH AMERICAN SAVINGS BANK FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2049

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Feb 27, 2019
Property Address	1127 TURTLE RIDGE DR, MONROE, NC 28110-7103
Document Number	7320304
Book / Page	007320 / 000304
Instrument Date	Feb 6, 2019
Instrument	4852
Transaction Type	Transfer
Record Updated	Mar 14, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$64.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2675 OLD CHARLOTTE HWY MONROE NC 281107364, MONROE, NC 28110-7364

Tax Assessment & Valuation

Source: Union County assessment roll, as of March 31, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Union County
Municipality	Indian Trail Town
Unified School District	Union County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$354,000 (-10.58%) Land $69,000 Building $285,000	$354,000 (-10.58%) Land $69,000 Building $285,000
2025	$2,639.00 (+13.26%)	$395,900 (+43.44%) Land $69,000 Building $326,900	$395,900 (+43.44%) Land $69,000 Building $326,900
2023	$2,330.00	$276,000 Land $40,700 Building $235,300	$276,000 Land $40,700 Building $235,300

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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 96% of the US · lower than 97.9% of North Carolina
Wildfire Likelihood	Under 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 269 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Ripple Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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