1708 Winthrop Ln, Monroe, NC 28110 Property Records

Union County property record for 1708 Winthrop Ln, Monroe, NC 28110

Property Summary

Property Type	Rural Home
Details	2 ba · 1,584 sqft · built 1999
Lot Size	0.264 acres (11,500 sqft)
Owner	Individual Name on File
Last Sale	$146,000 (Jun 2015)
Tax Bill	$2,869 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-342-249`

Property Details

APN / Parcel Number

Primary APN	`09-342-249`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,584 sqft Living Area
Gross Area	2,025 sqft
1st Floor Area	1,584 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	11,500 sqft (0.264 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	72 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1708 WINTHROP LN
City	MONROE
State	NC
Zip	28110-5206
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R-10SU MON
Legal Description	#26 COLONIAL VILLAGE PH 1 SEC 2 OPCF058
Legal Subdivision	COLONIAL VILLAGE
Legal Lot Number	26
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	1
Census Block	1001
Census Tract	20403

Owner

1708 Winthrop Ln, a rural home, is owned and occupied by an individual who bought it in June 2015.

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

Owner of Record	Individual Name on File
Mailing Address	1708 WINTHROP LN, MONROE, NC 28110-5206
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
Sep 20, 2022	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Jan 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2015 · Amount on File
Deed Sale	Jun 30, 2015 · Amount on File
Prior Sale	Nov 2, 1999 · Amount on File
Deed Document Number	201519570
Deed Book / Page	6478 / 103
Prior Transfer Date	Jan 27, 2012
Prior Transfer Doc	0005674788
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1708 WINTHROP LN, MONROE, NC 28110-5206
Transaction Type	Mortgage
Record Updated	Oct 5, 2022
Title Company	STEWART TITLE GUARANTY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1708 WINTHROP LN, MONROE, NC 28110-5206

Mortgage

Document Number	0008573855
Date	Sep 20, 2022
Book Page	8573/855
Instrument	32809

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1708 WINTHROP LN, MONROE, NC 28110-5206
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TERRATITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	795127
Date	Jan 12, 2021
Book Page	7951/27
Instrument	1455

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 1708 Winthrop Ln was $2,869.

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		$328,200 (-) Land $69,600 Building $258,600	$328,200 (-) Land $69,600 Building $258,600
2025	$2,869.00	$328,200 Land $69,600 Building $258,600	$328,200 Land $69,600 Building $258,600
2023	$2,508.00	$230,000 Land $42,500 Building $187,500	$230,000 Land $42,500 Building $187,500

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

Flood

FEMA maps place 1708 Winthrop Ln in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1998.

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 Claims	2 (1998–2003)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Aug 2003 · rainfall accumulation

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 1708 Winthrop Ln 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	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 190 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

May also be available: Ripple Fiber.

Cell Coverage

5G (outdoors only) and 4G LTE

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