Union County property record for 1610 Watersmark Dr, Monroe, NC 28112
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 3,487 sqft · built 2000 |
| Lot Size | 1.65 acres (71,874 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $48,000 (Mar 2000) |
| Tax Bill | $6,153 (2025) |
| Deeds & Mortgages | Jan 2022 Line of Credit Dec 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-161-111 |
| Primary APN | 09-161-111 |
|---|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,487 sqft Living Area |
| Gross Area | 4,123 sqft |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | No Foundation |
| Roof Material | Composition Shingle |
| Lot Area | 71,874 sqft (1.65 acres) |
| View / Lot | Waterfront / Beach |
| Garage Type | Detached |
| Garage Area | 1,476 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Slab |
| Porch Area | 96 sqft |
| Deck Area | Deck Area |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1610 WATERSMARK DR |
|---|---|
| City | MONROE |
| State | NC |
| Zip | 28112-8449 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-20 MONRO |
| Legal Description | #35 BRIDGEWATER 1610 WATERSMARK DR |
| Legal Subdivision | BRIDGEWATER |
| Legal Lot Number | 35 |
| Jurisdiction | UNION NC |
| Township / Civil Division | MONROE |
| Census Block Group | 2 |
| Census Block | 2038 |
| Census Tract | 20602 |
Source: Union County records · APN 09-161-111
Assessment roll updated March 31, 2026 · Last verified April 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 File |
|---|---|
| Mailing Address | 1610 WATERSMARK DR, MONROE, NC 28112-8449 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 06, 2022 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Dec 31, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Feb 27, 2020 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Aug 13, 2019 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 14, 2000 · Amount on Record |
| Deed Sale | Mar 14, 2000 · Amount on Record |
| Deed Document Number | 20006728 |
| Deed Book / Page | 1366 / 321 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 1610 WATERSMARK DR, MONROE, NC 28112-8449 |
| Transaction Type | Mortgage |
| Record Updated | Feb 24, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1610 WATERSMARK DR, MONROE, NC 28112-8449 |
| Document Number | 0008366436 |
|---|---|
| Date | Jan 06, 2022 |
| Book Page | 8366/436 |
| Instrument | 696 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 1610 WATERSMARK DR, MONROE, NC 28112-8449 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | AMROCK |
| Name | Verified Name |
|---|
| Document Number | 7939794 |
|---|---|
| Date | Dec 31, 2020 |
| Book Page | 7939/794 |
| Instrument | 54709 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jan 01, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 1610 WATERSMARK DR, MONROE, NC 28112-8449 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 7595434 |
|---|---|
| Date | Feb 27, 2020 |
| Book Page | 7595/434 |
| Instrument | 6469 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 1610 WATERSMARK DR, MONROE, NC 28112-8449 |
| Document Number | 7441503 |
| Instrument Date | Aug 13, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 27, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1610 WATERSMARK DR MOORESVILLE NC 28117, MOORESVILLE, NC 28117 |
| Document Number | 7441503 |
|---|---|
| Date | Aug 16, 2019 |
| Book Page | 007441/000503 |
| Instrument | 24219 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Aug 15, 2034 |
Source: Union County records · Assessment roll updated March 31, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Union County |
| Municipality | Monroe City |
| Unified School District | Union County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,153.00 (+45.43%) | $703,900 (+81.42%) Land $89,500 Building $614,400 | $703,900 (+81.42%) Land $89,500 Building $614,400 |
| 2023 | $4,231.00 | $388,000 Land $50,000 Building $338,000 | $388,000 Land $50,000 Building $338,000 |
Source: FEMA National Flood Hazard Layer as of September 14, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Wildfire Risk | Low lower than 94% of the US · lower than 96% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 41 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF MONROE serves 43,081 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Nov 2025 |
| Lead | Under 1 ppb (2026–2028) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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