Union County property record for 1701 Watersmark Dr, Monroe, NC 28112
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4.5 ba · 4,423 sqft · built 2007 |
| Lot Size | 1.41 acres (61,420 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $760,000 (May 2021) |
| Tax Bill | $8,984 (2025) |
| Deeds & Mortgages | Feb 2023 Line of Credit May 2021 Sale & Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-161-091 |
| Primary APN | 09-161-091 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 4,423 sqft Living Area |
| 1st Floor Area | 3,275 sqft |
| Basement Area | 375 sqft |
| Finished Basement | 375 sqft |
| Unfinished Basement | 375 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Architectural Style | Conventional |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Foundation Type | Raised |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 61,420 sqft (1.41 acres) |
| View / Lot | Waterfront / Beach |
| Garage Type | Attached |
| Garage Area | 702 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 518 sqft |
| Deck Area | 403 sqft |
| Patio Area | 403 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Street Address | 1701 WATERSMARK DR |
|---|---|
| City | MONROE |
| State | NC |
| Zip | 28112-8450 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-20 MONRO |
| Legal Description | #15 BRIDGEWATER OPCF922 |
| Legal Subdivision | BRIDGEWATER |
| Legal Lot Number | 15 |
| Jurisdiction | UNION NC |
| Township / Civil Division | MONROE |
| Census Block Group | 2 |
| Census Block | 2032 |
| Census Tract | 20602 |
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 | 1701 WATERSMARK DR, MONROE, NC 28112-8450 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 8, 2023 | Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND |
| May 28, 2021 | Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Nov 26, 2019 | Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO |
| Oct 10, 2017 | Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO |
| Oct 28, 2019 | Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO |
| Jan 14, 2020 | Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BK |
| Sep 1, 2017 | Warranty Deed, Transfer · ARM FIRST CITIZENS BANK AND TRUST CO IN |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 28, 2021 · Amount on Record |
| Deed Sale | May 28, 2021 · Amount on Record |
| Prior Sale | Sep 1, 2017 · Amount on Record |
| Deed Document Number | 202125522 |
| Deed Book / Page | 8118 / 355 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 1701 WATERSMARK DR, MONROE, NC 28112-8450 |
| Transaction Type | Mortgage |
| Record Updated | Feb 20, 2023 |
| Title Company | TITLE 365, TITLE365 |
| Name | Verified Name |
|---|---|
| Address | 1701 WATERSMARK DR, MONROE, NC 28112-8450 |
| Document Number | 0008651751 |
|---|---|
| Date | Feb 8, 2023 |
| Book Page | 8651/751 |
| Instrument | 2812 |
| Name | THIRD FSLA OF CLEVELAND |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44105 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | May 28, 2021 |
| Property Address | 1701 WATERSMARK DR, MONROE, NC 28112-8450 |
| Document Number | 8118355 |
| Book / Page | 8118 / 355 |
| Map Reference | CAB F FILE 922&923 |
| Instrument Date | May 28, 2021 |
| Instrument | 25522 |
| Transaction Type | Transfer |
| Record Updated | Jun 11, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,520.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1701 WATERSMARK DR, MONROE, NC 28112-8450 |
| Document Number | 25523 |
|---|---|
| Date | May 28, 2021 |
| Instrument | 25523 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 12, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 1701 WATERSMARK DR, MONROE, NC 28112-8450 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 7525896 |
|---|---|
| Date | Nov 26, 2019 |
| Book Page | 7525/896 |
| Instrument | 0036951 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 1701 WATERSMARK DR, MONROE, NC 28112-8450 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | STEWART TITLE GUARANTY |
| Name | Verified Name |
|---|
| Document Number | 7031332 |
|---|---|
| Date | Oct 10, 2017 |
| Book Page | 7031/332 |
| Instrument | 0029805 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 1701 WATERSMARK DR, MONROE, NC 28112-8450 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 7501496 |
|---|---|
| Date | Oct 28, 2019 |
| Book Page | 7501/496 |
| Instrument | 0033273 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | COLUMBIA, SC 29211 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 1701 WATERSMARK DR, MONROE, NC 28112-8450 |
| Document Number | 7562744 |
| Instrument Date | Jan 14, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 5, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 1701 WATERSMARK DR MONROE NC 281128450, MONROE, NC 28112-8450 |
| Document Number | 7562744 |
|---|---|
| Date | Jan 14, 2020 |
| Book Page | 007562/000744 |
| Instrument | 1433 |
| Name | FIRST CITIZENS BK |
|---|---|
| Type | Bank |
| Address | RALEIGH, NC 27611-6592 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Sep 1, 2017 |
| Property Address | 1701 WATERSMARK DR, MONROE, NC 28112-8450 |
| Document Number | 0007007406 |
| Book / Page | 7007 / 406 |
| Map Reference | CAB F FILE 922&923 |
| Instrument Date | Sep 1, 2017 |
| Instrument | 0025829 |
| Transaction Type | Transfer |
| Record Updated | Dec 14, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,174.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1701 WATERSMARK DR, MONROE, NC 28112-8450 |
| Document Number | 0000025830 |
|---|---|
| Date | Sep 1, 2017 |
| Instrument | 0025830 |
| Name | FIRST CITIZENS BANK AND TRUST CO IN |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.85% |
| Type Change Date | Sep 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 3.5% |
| Max Rate At Change | 5.85% |
| Index | 1-Year LIBOR |
| Max Rate | 9.85% |
Source: Union County assessment roll, as of March 31, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Union County |
| Municipality | Monroe City |
| Unified School District | Union County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,027,700 (-) Land $168,100 Building $859,600 | $1,027,700 (-) Land $168,100 Building $859,600 | |
| 2025 | $8,984.00 (+30.24%) | $1,027,700 (+62.46%) Land $168,100 Building $859,600 | $1,027,700 (+62.46%) Land $168,100 Building $859,600 |
| 2023 | $6,898.00 | $632,600 Land $101,400 Building $531,200 | $632,600 Land $101,400 Building $531,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| 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 |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 41 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 |
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