1220 Rosa Dr, Monroe, NC 28112 Property Records

Union County property record for 1220 Rosa Dr, Monroe, NC 28112

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,289 sqft · built 1987
Lot Size	1.13 acres (49,615 sqft)
Owner	2 Individual Names on File
Last Sale	$350,000 (Nov 2019)
Tax Bill	$4,691 (2025)
Deeds & Mortgages	Aug 2022 Mortgage May 2022 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`09-162-006`

Property Details

APN / Parcel Number

Primary APN	`09-162-006`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,289 sqft Living Area
Gross Area	3,839 sqft
1st Floor Area	977 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Other
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	49,615 sqft (1.13 acres)
Garage Type	Attached
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	424 sqft
Deck Area	221 sqft
Patio Area	221 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1220 ROSA DR
City	MONROE
State	NC
Zip	28112-5149
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-20 MONRO
Legal Description	#62 LAKEVIEW SEC4 PB6 PG116
Legal Subdivision	LAKEVIEW ESTATES
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	2
Census Block	2019
Census Tract	20602

Owner

1220 Rosa Dr is owned and occupied by two individuals who bought it in November 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	1220 ROSA DR, MONROE, NC 28112-5149
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 10, 2022	Deed of Trust, Mortgage · VA Mortgage FLAGSTAR BANK FSB
May 25, 2022	Deed of Trust, Mortgage · VA Mortgage FLAGSTAR BANK FSB
Jun 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED TRUST BANK
Aug 26, 2020	Deed of Trust, Mortgage · VA Mortgage NORTHPOINTE BANK
Nov 12, 2019	Warranty Deed, Transfer · VA Mortgage NORTHPOINTE BANK
Jul 31, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 12, 2019 · Amount on File
Deed Sale	Nov 12, 2019 · Amount on File
Prior Sale	Oct 9, 2014 · Amount on File
Deed Document Number	201935144
Deed Book / Page	7514 / 194
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1220 ROSA DR, MONROE, NC 28112-5149
Transaction Type	Mortgage
Record Updated	Aug 26, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1220 ROSA DR, MONROE, NC 28112-5149

Mortgage

Document Number	0008545236
Date	Aug 10, 2022
Book Page	8545/236
Instrument	28281

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	JACKSONVILLE, FL 32202

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2052

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1220 ROSA DR, MONROE, NC 28112-5149
Transaction Type	Mortgage
Record Updated	Jun 9, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1220 ROSA DR, MONROE, NC 28112-5149

Mortgage

Document Number	0008485406
Date	May 25, 2022
Book Page	8485/406
Instrument	18970

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	JACKSONVILLE, FL 32202

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2052

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1220 ROSA DR, MONROE, NC 28112-5149
Transaction Type	Mortgage
Record Updated	Jul 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	814026
Date	Jun 17, 2021
Book Page	8140/26
Instrument	28690

Lender

Name	UNITED TRUST BANK
Type	Bank
Address	PALOS HEIGHTS, IL 60463

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1220 ROSA DR, MONROE, NC 28112-5149
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7785848
Date	Aug 26, 2020
Book Page	7785/848
Instrument	33207

Lender

Name	NORTHPOINTE BANK
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Nov 12, 2019
Property Address	1220 ROSA DR, MONROE, NC 28112-5149
Document Number	0007514194
Book / Page	7514 / 194
Map Reference	MB 6 PG 116
Instrument Date	Nov 8, 2019
Instrument	0035144
Transaction Type	Transfer
Record Updated	Dec 14, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$700.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000035145
Date	Nov 12, 2019
Instrument	0035145

Lender

Name	NORTHPOINTE BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1220 ROSA DR, MONROE, NC 28112-5149
Document Number	6991344
Book / Page	006991 / 000344
Instrument Date	Jul 31, 2017
Transaction Type	Mortgage
Record Updated	Oct 30, 2017
Title Company	LENDER RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1220 ROSA DR MONROE NC 281125149, MONROE, NC 28112-5149

Mortgage

Document Number	6991344
Date	Aug 9, 2017
Book Page	006991/000344
Instrument	23039

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 8, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1220 Rosa Dr was $4,691.

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

Property Jurisdictions

Type	Name
State	North Carolina
County	Union County
Municipality	Monroe City
Unified School District	Union County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$581,700 (-) Land $160,000 Building $421,700	$581,700 (-) Land $160,000 Building $421,700
2025	$4,691.00	$581,700 Land $160,000 Building $421,700	$581,700 Land $160,000 Building $421,700
2023	$4,968.00	$455,600 Land $110,000 Building $345,600	$455,600 Land $110,000 Building $345,600

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

Flood

FEMA maps place 1220 Rosa 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	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

Wildfire risk around 1220 Rosa 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 93% of the US · lower than 95% of North Carolina
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	CITY OF MONROE serves 43,081 people · EPA ID NC0190010
Water Source	Surface water
Last State Inspection	Nov 2025
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Aug 2025
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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 110 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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