4100 High Shoals Dr, Monroe, NC 28110 Property Records

Union County property record for 4100 High Shoals Dr, Monroe, NC 28110

Property Summary

Property Type	Rural Home
Details	4 bd · 2.5 ba · 2,772 sqft · built 2007
Lot Size	0.26 acres (11,326 sqft)
Owner	Individual Name on Record
Last Sale	$268,000 (May 2018)
Tax Bill	$2,228 (2025)
Deeds & Mortgages	Oct 2017 Mortgage May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-397-088`

Property Details

APN / Parcel Number

Primary APN	`09-397-088`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,772 sqft Living Area
1st Floor Area	1,188 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Conventional
Construction Type	Wood
Roof Type	Gable
Lot Area	11,326 sqft (0.26 acres)
Garage Type	Attached
Garage Area	396 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	216 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4100 HIGH SHOALS DR
City	MONROE
State	NC
Zip	28110-7654
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R-20 UNION
Legal Description	#20 CASCADES PH2 OPCI867
Legal Subdivision	CASCADES
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	1
Census Block	1063
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	Individual Name on Record
Mailing Address	4100 HIGH SHOALS DR, MONROE, NC 28110-7654
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2017	Deed of Trust, Mortgage · FHA Mortgage WYNDHAM CAPITAL MORTGAGE INC
May 11, 2018	Warranty Deed, Transfer · Conventional Mortgage UWHARRIE BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 11, 2018 · Amount on Record
Deed Sale	May 11, 2018 · Amount on Record
Prior Sale	Oct 26, 2007 · Amount on Record
Deed Document Number	201812599
Deed Book / Page	7154 / 61
Record Updated	Oct 29, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	4100 HIGH SHOALS DR, MONROE, NC 28110-7654
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7026194
Date	Oct 2, 2017
Book Page	7026/194
Instrument	0028962

Lender

Name	WYNDHAM CAPITAL MORTGAGE INC
Type	Mortgage Company
Address	CHARLOTTE, NC 28210

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2047

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	May 11, 2018
Property Address	4100 HIGH SHOALS DR, MONROE, NC 28110-7654
Document Number	715461
Book / Page	007154 / 000061
Instrument Date	May 10, 2018
Instrument	12599
Transaction Type	Transfer
Record Updated	Jun 13, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$536.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4100 HIGH SHOALS DR MONROE NC 281107654, MONROE, NC 28110-7654

Mortgage

Document Number	715463
Date	May 11, 2018
Book Page	007154/000063
Instrument	12600

Lender

Name	UWHARRIE BK
Type	Bank
Address	ALBEMARLE, NC 28001

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 10, 2048

Tax Assessment & Valuation

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		$460,700 (-) Land $88,000 Building $372,700	$460,700 (-) Land $88,000 Building $372,700
2025	$2,228.00 (+20.82%)	$460,700 (+59.91%) Land $88,000 Building $372,700	$460,700 (+59.91%) Land $88,000 Building $372,700
2023	$1,844.00	$288,100 Land $53,600 Building $234,500	$288,100 Land $53,600 Building $234,500

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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 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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