1406 Torrens Dr, Monroe, NC 28110 Property Records

Union County property record for 1406 Torrens Dr, Monroe, NC 28110

Property Summary

Property Type	Rural Home
Details	5 bd · 3.5 ba · 3,296 sqft · built 2017
Lot Size	0.543 acres (23,653 sqft)
Owner	2 Individual Names on File
Last Sale	$435,000 (Feb 2018)
Tax Bill	$3,866 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Feb 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-006-256`

Property Details

APN / Parcel Number

Primary APN	`06-006-256`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	3,296 sqft Living Area
1st Floor Area	1,791 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Construction Type	Wood
Roof Type	Gable
Lot Area	23,653 sqft (0.543 acres)
Garage Type	Attached
Garage Area	716 sqft
Porch	Slab
Porch Area	246 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1406 TORRENS DR
City	MONROE
State	NC
Zip	28110-0014
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R-40 UNION
Legal Description	#24 ADELAIDE ESTATES MAP2 OPCN453-454
Legal Subdivision	ADELAIDE ESTATES
Jurisdiction	UNION NC
Township / Civil Division	SANDY RIDGE
Census Block Group	2
Census Block	2009
Census Tract	20308

Owner

1406 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	1406 TORRENS DR, MONROE, NC 28110-0014
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
Feb 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK
Feb 27, 2018	Special Warranty Deed, Transfer · Conventional Mortgage SUNTRUST MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 27, 2018 · Amount on File
Deed Sale	Feb 27, 2018 · Amount on File
Deed Document Number	20185118
Deed Book / Page	7110 / 163
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1406 TORRENS DR, MONROE, NC 28110-0014
Transaction Type	Mortgage
Record Updated	Mar 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7997386
Date	Feb 22, 2021
Book Page	7997/386
Instrument	8040

Lender

Name	TRUIST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Mar 1, 2041

February 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	UNION NC
Recording Date	Feb 27, 2018
Property Address	1406 TORRENS DR, MONROE, NC 28110-0014
Document Number	0007110163
Book / Page	7110 / 163
Map Reference	CAB N FILE 453&454
Instrument Date	Feb 27, 2018
Instrument	0005118
Transaction Type	Transfer
Record Updated	Dec 14, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$870.00
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	1406 TORRENS DR, MONROE, NC 28110-0014

Mortgage

Document Number	0000005119
Date	Feb 27, 2018
Instrument	0005119

Lender

Name	SUNTRUST MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 1406 Torrens Dr was $3,866.

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		$793,700 (-) Land $157,000 Building $636,700	$793,700 (-) Land $157,000 Building $636,700
2025	$3,866.00	$793,700 Land $157,000 Building $636,700	$793,700 Land $157,000 Building $636,700
2023	$3,396.00	$532,100 Land $99,000 Building $433,100	$532,100 Land $99,000 Building $433,100

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

Flood

FEMA maps place 1406 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 1406 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 38 locations within half a mile, as of December 31, 2025

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

May also be available: Ripple Fiber, Verizon.

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