1905 Saye Brook Dr, Monroe, NC 28112 Property Records

Union County property record for 1905 Saye Brook Dr, Monroe, NC 28112

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,685 sqft · built 2013
Lot Size	2.14 acres (93,218 sqft)
Owner	Trust Name on File
Last Sale	$207,500 (Oct 2013)
Tax Bill	$2,756 (2025)
Deeds & Mortgages	Apr 2024 Line of Credit Aug 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-357-019Z`

Property Details

APN / Parcel Number

Primary APN	`09-357-019Z`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,685 sqft Living Area
1st Floor Area	2,697 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Lot Area	93,218 sqft (2.14 acres)
Garage Type	Attached
Garage Area	496 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	174 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	1905 SAYE BROOK DR
City	MONROE
State	NC
Zip	28112-7630
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA-40 UNIO
Legal Description	LOT 7 SAYE BROOK II MAP 3 OPCL364-365
Legal Subdivision	SAYE BROOK
Legal Lot Number	7
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	1
Census Block	1042
Census Tract	21005

Owner

1905 Saye Brook Dr is owner-occupied and held in a trust since July 2019.

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

Owner of Record	Trust Name on File
Mailing Address	1905 SAYE BROOK DR, MONROE, NC 28112-7630
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

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
Apr 19, 2024	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Aug 18, 2022	Intrafamily Transfer, Transfer
Jul 26, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 2, 2013 · Amount on File
Deed Sale	Oct 2, 2013 · Amount on File
Deed Document Number	201334106
Deed Book / Page	6109 / 364
Last Transfer Date	Jul 8, 2019
Transfer Doc	0007424549
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1905 SAYE BROOK DR, MONROE, NC 28112-7630
Transaction Type	Mortgage
Record Updated	Sep 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008889208
Date	Apr 19, 2024
Book Page	8889/208
Instrument	8734

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	UNION NC
Recording Date	Aug 18, 2022
Property Address	1905 SAYE BROOK DR, MONROE, NC 28112-7630
Document Number	0008551124
Book / Page	8551 / 124
Map Reference	CAB L FILE 219
Instrument Date	Aug 10, 2022
Instrument	29238
Transaction Type	Transfer
Record Updated	Sep 2, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	1905 SAYE BROOK DR, MONROE, NC 28112-7630

July 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	UNION NC
Recording Date	Jul 26, 2019
Property Address	1905 SAYE BROOK DR, MONROE, NC 28112-7630
Document Number	0007424549
Book / Page	7424 / 549
Map Reference	CAB L FILE 346
Instrument Date	Jul 8, 2019
Instrument	0021617
Transaction Type	Transfer
Record Updated	Dec 14, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1905 SAYE BROOK DR, MONROE, NC 28112-7630

Mortgage

Document Number	0000021618
Date	Jul 26, 2019
Instrument	0021618

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2034

Tax Assessment & Valuation

The 2025 property tax bill for 1905 Saye Brook Dr was $2,756, up 3% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$572,400 (-) Land $101,900 Building $470,500	$572,400 (-) Land $101,900 Building $470,500
2025	$2,756.00 (+2.95%)	$572,400 (+37.5%) Land $101,900 Building $470,500	$572,400 Land $101,900 Building $470,500
2024	$2,677.00 (+1.36%)	$416,300 (-) Land $60,700 Building $355,600
2023	$2,641.00	$416,300 Land $60,700 Building $355,600	$416,300 Land $60,700 Building $355,600
2021			$416,300 Land $60,700 Building $355,600

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

Flood

FEMA maps place 1905 Saye Brook Dr in Zone X, an area of minimal flood risk, within 100 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2020)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2020 · other causes

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 1905 Saye Brook Dr is low, with a 0.02% 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	0.02% 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	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 42 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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