2605 Smith Field Dr, Monroe, NC 28110 Property Records

Union County property record for 2605 Smith Field Dr, Monroe, NC 28110

Property Summary

Property Type	Rural Home
Details	4 bd · 3.5 ba · 3,361 sqft · built 2016
Lot Size	0.663 acres (28,880 sqft)
Owner	Individual Name on Record
Last Sale	$651,000 (Feb 2022)
Tax Bill	$3,541 (2025)
Deeds & Mortgages	Feb 2022 Sale & Mortgage Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-126-071`

Property Details

APN / Parcel Number

Primary APN	`08-126-071`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	3,361 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Conventional
Construction Type	Wood
Foundation Type	No Foundation
Roof Type	Gable
Lot Area	28,880 sqft (0.663 acres)
Garage Type	Attached
Garage Area	747 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	138 sqft
Deck Area	236 sqft
Patio Area	236 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2605 SMITH FIELD DR
City	MONROE
State	NC
Zip	28110-7740
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	RA-40 UNIO
Legal Description	#32 SMITH FIELD OPCI958
Legal Subdivision	SMITH FIELD
Jurisdiction	UNION NC
Township / Civil Division	GOOSE CREEK
Census Block Group	2
Census Block	2001
Census Tract	20206

Owner

Source: Union County records, as of March 31, 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	2605 SMITH FIELD DR, MONROE, NC 28110-7740
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 14, 2022	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 14, 2017	Warranty Deed, Subdivision Related Transfer · VA Mortgage BNC NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 14, 2022 · Amount on Record
Deed Sale	Feb 14, 2022 · Amount on Record
Prior Sale	Jun 14, 2017 · Amount on Record
Deed Document Number	20225535
Deed Book / Page	8398 / 97
Record Updated	Jun 8, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Feb 14, 2022
Property Address	2605 SMITH FIELD DR, MONROE, NC 28110-7740
Document Number	0000839897
Book / Page	8398 / 97
Map Reference	CAB I FILE 958
Instrument Date	Feb 14, 2022
Instrument	5535
Transaction Type	Transfer
Record Updated	Feb 25, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,302.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005536
Date	Feb 14, 2022
Instrument	5536

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

June 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Jun 14, 2017
Property Address	2605 SMITH FIELD DR, MONROE, NC 28110-7740
Document Number	0006952275
Book / Page	6952 / 275
Map Reference	CABI FILE958
Instrument Date	Jan 13, 2017
Instrument	0016619
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 14, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$754.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4389 INDIAN TRAIL FAIRVIEW RD, 4389, INDIAN TRAIL, NC 28079-9639

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016620
Date	Jun 14, 2017
Instrument	0016620

Lender

Name	BNC NATIONAL BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,541.00 (+3.54%)	$696,800 (+37.65%) Land $130,200 Building $566,600	$696,800 (+37.65%) Land $130,200 Building $566,600
2024	$3,420.00 (+0.94%)	$506,200 (-) Land $79,600 Building $426,600
2023	$3,388.00	$506,200 Land $79,600 Building $426,600	$506,200 (-) Land $79,600 Building $426,600
2021			$506,200 Land $79,600 Building $426,600

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	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 81 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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