2503 Paperbark Dr, Monroe, NC 28110 Property Records

Union County property record for 2503 Paperbark Dr, Monroe, NC 28110

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,426 sqft · built 2003
Lot Size	0.34 acres (14,810 sqft)
Owner	2 Individual Names on Record
Last Sale	$149,000 (Oct 2013)
Tax Bill	$2,320 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Oct 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-396-462`

Property Details

APN / Parcel Number

Primary APN	`09-396-462`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,426 sqft Living Area
Gross Area	1,846 sqft
1st Floor Area	1,426 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Conventional
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,810 sqft (0.34 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2503 PAPERBARK DR
City	MONROE
State	NC
Zip	28110-1320
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	SF-1 INDIA
Legal Description	#47 WINCREST OPCF995-996
Legal Subdivision	WINCREST
Legal Lot Number	47
Jurisdiction	UNION NC
Township / Civil Division	VANCE
Census Block Group	2
Census Block	2000
Census Tract	20307

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	2 Individual Names on Record
Mailing Address	2503 PAPERBARK DR, MONROE, NC 28110-1320
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2022	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Oct 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 23, 2013 · Amount on Record
Deed Sale	Oct 23, 2013 · Amount on Record
Prior Sale	Sep 2, 2011 · Amount on Record
Deed Document Number	201336176
Deed Book / Page	6119 / 879
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	2503 PAPERBARK DR, MONROE, NC 28110-1320
Transaction Type	Mortgage
Record Updated	Oct 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008572164
Date	Sep 16, 2022
Book Page	8572/164
Instrument	32479

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	INDIAN TRAIL, NC 28079

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	2503 PAPERBARK DR, MONROE, NC 28110-1320
Transaction Type	Mortgage
Record Updated	Oct 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	8275717
Date	Oct 12, 2021
Book Page	8275/717
Instrument	48583

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Nov 1, 2026
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	4.75%
Index	5-Year CMT
Max Rate	8.75%

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		$345,800 (-) Land $74,000 Building $271,800	$345,800 (-) Land $74,000 Building $271,800
2025	$2,320.00 (+10.9%)	$345,800 (+39.94%) Land $74,000 Building $271,800	$345,800 (+39.94%) Land $74,000 Building $271,800
2023	$2,092.00	$247,100 Land $47,100 Building $200,000	$247,100 Land $47,100 Building $200,000

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	7 (1998–2023)
Claims Outside the SFHA	6 of 7
Most Recent Claim	Sep 2023 · river or lake flooding

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 313 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

May also be available: T-Mobile.

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