2007 Monaco Ct, Indian Trail, NC 28079 Property Records

Union County property record for 2007 Monaco Ct, Indian Trail, NC 28079

Property Summary

Property Type	Rural Home
Details	5 bd · 3.5 ba · 3,372 sqft · built 2007
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on File
Last Sale	$340,000 (Jul 2020)
Tax Bill	$3,868 (2025)
Deeds & Mortgages	Jul 2020 Sale & Mortgage Dec 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-114-364`

Property Details

APN / Parcel Number

Primary APN	`07-114-364`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	3,372 sqft Living Area
1st Floor Area	1,339 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable
Lot Area	9,148 sqft (0.21 acres)
Porch	Slab
Porch Area	32 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2007 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	#4 COLTON RIDGE PH1 MP1 OPCF984
Legal Subdivision	COLTON RIDGE
Legal Lot Number	4
Jurisdiction	UNION NC
Township / Civil Division	VANCE
Census Block Group	1
Census Block	1011
Census Tract	20316

Owner

2007 Monaco Ct, a rural home, is owned and occupied by an individual who bought it in July 2020.

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

Owner of Record	Individual Name on File
Mailing Address	2007 MONACO CT, INDIAN TRAIL, NC 28079-3686
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
Jul 24, 2020	Warranty Deed, Transfer · FHA Mortgage CERTAINTY HOME LOANS LLC
Dec 28, 2018	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 24, 2020 · Amount on File
Deed Sale	Jul 24, 2020 · Amount on File
Prior Sale	Jun 22, 2007 · Amount on File
Deed Document Number	202027694
Deed Book / Page	7747 / 180
Record Updated	Oct 29, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Jul 24, 2020
Property Address	2007 MONACO CT, INDIAN TRAIL, NC 28079-3686
Document Number	0007747180
Book / Page	7747 / 180
Map Reference	CAB F FILE 984
Instrument Date	Jul 24, 2020
Instrument	27694
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	FIRST AMERICAN MORTGAGE SLN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$680.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2007 MONACO CT, INDIAN TRAIL, NC 28079-3686

Mortgage

Document Number	0000027695
Date	Jul 24, 2020
Instrument	27695

Lender

Name	CERTAINTY HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	2007 MONACO CT, INDIAN TRAIL, NC 28079-3686
Document Number	729327
Instrument Date	Dec 28, 2018
Transaction Type	Mortgage
Record Updated	Jan 17, 2019
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2007 MONACO CT INDIAN TRAIL NC 280793686, INDIAN TRAIL, NC 28079-3686

Mortgage

Document Number	729327
Date	Jan 2, 2019
Book Page	007293/000027
Instrument	22

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 2007 Monaco Ct was $3,868.

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		$586,900 (-) Land $95,700 Building $491,200	$586,900 (-) Land $95,700 Building $491,200
2025	$3,868.00	$586,900 Land $95,700 Building $491,200	$586,900 Land $95,700 Building $491,200
2023	$2,981.00	$356,800 Land $58,000 Building $298,800	$356,800 Land $58,000 Building $298,800

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

Flood

FEMA maps place 2007 Monaco Ct in Zone X, an area of minimal flood risk.

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

Wildfire risk around 2007 Monaco Ct 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	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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