2005 Monaco Ct, Indian Trail, NC 28079 Property Records

Union County property record for 2005 Monaco Ct, Indian Trail, NC 28079

Property Summary

Property Type	Rural Home
Details	5 bd · 3.5 ba · 3,259 sqft · built 2006
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual Name on Record
Last Sale	$275,000 (Aug 2007)
Tax Bill	$4,063 (2025)
Deeds & Mortgages	Feb 2023 Transfer May 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-114-363`

Property Details

APN / Parcel Number

Primary APN	`07-114-363`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	3,259 sqft Living Area
1st Floor Area	1,532 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Wood
Roof Type	Hip
Lot Area	9,583 sqft (0.22 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	44 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2005 MONACO CT
City	INDIAN TRAIL
State	NC
Zip	28079-3686
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	SF-3 INDIA
Legal Description	#3 COLTON RIDGE PH1 MP1 OPCF984
Legal Subdivision	COLTON RIDGE
Legal Lot Number	3
Jurisdiction	UNION NC
Township / Civil Division	VANCE
Census Block Group	1
Census Block	1011
Census Tract	20316

Owner

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	Individual Name on Record
Mailing Address	2005 MONACO CT, INDIAN TRAIL, NC 28079-3686
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 1, 2023	Intrafamily Transfer, Transfer
May 2, 2018	Deed of Trust, Mortgage · Line of Credit CAPITAL AREA HSNG FIN
Mar 20, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 31, 2007 · Amount on Record
Deed Sale	Aug 31, 2007 · Amount on Record
Prior Sale	Dec 5, 2005 · Amount on Record
Deed Document Number	200739471
Deed Book / Page	4674 / 839
Last Transfer Date	Sep 22, 2022
Transfer Doc	0008648745
Record Updated	Oct 29, 2026

February 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	UNION NC
Recording Date	Feb 1, 2023
Property Address	2005 MONACO CT, INDIAN TRAIL, NC 28079-3686
Document Number	0008648745
Book / Page	8648 / 745
Map Reference	CAB F FILE 984
Instrument Date	Sep 22, 2022
Instrument	2316
Transaction Type	Transfer
Record Updated	Feb 20, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2005 MONACO CT, INDIAN TRAIL, NC 28079-3686

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2005 MONACO CT, INDIAN TRAIL, NC 28079-3686

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	2005 MONACO CT, INDIAN TRAIL, NC 28079-3686
Document Number	7148880
Instrument Date	May 2, 2018
Transaction Type	Mortgage
Record Updated	May 31, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	2005 MONACO CT INDIAN TRAIL NC 280793686, INDIAN TRAIL, NC 28079-3686

Mortgage

Document Number	7148880
Date	May 2, 2018
Book Page	007148/000880
Instrument	11726

Lender

Name	CAPITAL AREA HSNG FIN
Type	Funding / Finance Company
Address	RALEIGH, NC 27611-8066

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4%

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	UNION NC
Recording Date	Mar 20, 2018
Property Address	2005 MONACO CT, INDIAN TRAIL, NC 28079-3686
Document Number	7121588
Book / Page	007121 / 000588
Instrument Date	Mar 20, 2018
Instrument	7127
Transaction Type	Transfer
Record Updated	Apr 6, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2005 MONACO CT INDIAN TRAIL NC 280793686, INDIAN TRAIL, NC 28079-3686

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$617,000 (-) Land $95,700 Building $521,300	$617,000 (-) Land $95,700 Building $521,300
2025	$4,063.00 (+34.89%)	$617,000 (+71.15%) Land $95,700 Building $521,300	$617,000 (+71.15%) Land $95,700 Building $521,300
2023	$3,012.00	$360,500 Land $58,000 Building $302,500	$360,500 Land $58,000 Building $302,500

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

Flood

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

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 152 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ripple Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Windstream DSL · Fiber in parts of the area	200 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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