4103 Highland Pointe Dr, Monroe, NC 28110 Property Records

Union County property record for 4103 Highland Pointe Dr, Monroe, NC 28110

Property Summary

Property Type	Rural Home
Details	3 bd · 2.5 ba · 2,254 sqft · built 2015
Lot Size	0.96 acres (41,818 sqft)
Owner	Individual Name on File
Last Sale	$304,000 (Aug 2019)
Tax Bill	$2,169 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Sep 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`08-102-126`

Property Details

APN / Parcel Number

Primary APN	`08-102-126`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,254 sqft Living Area
1st Floor Area	1,248 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Conventional
Construction Type	Wood
Roof Type	Gable
Lot Area	41,818 sqft (0.96 acres)
Garage Type	Attached
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	305 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4103 HIGHLAND POINTE DR
City	MONROE
State	NC
Zip	28110-9113
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	RA-40 UNIO
Legal Description	#1 HIGHLAND POINTE OPCK726; PLUS OPCR465
Legal Subdivision	HIGHLAND POINTE
Jurisdiction	UNION NC
Township / Civil Division	GOOSE CREEK
Census Block Group	2
Census Block	2020
Census Tract	20206

Owner

4103 Highland Pointe Dr, a rural home, is owned and occupied by an individual who bought it in August 2019.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	4103 HIGHLAND POINTE DR, MONROE, NC 28110-9113
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 29, 2023	Warranty Deed, Transfer · Conventional Mortgage T2 FINANCIAL LLC
Sep 9, 2021	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
May 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage INTERCONTINENTAL CAPITAL GROUP INC
Aug 13, 2019	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 13, 2019 · Amount on File
Deed Sale	Aug 13, 2019 · Amount on File
Prior Sale	Aug 17, 2016 · Amount on File
Deed Document Number	201923743
Deed Book / Page	7438 / 429
Record Updated	Oct 29, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Aug 29, 2023
Property Address	4103 HIGHLAND POINTE DR, MONROE, NC 28110-9113
Document Number	0008771575
Book / Page	8771 / 575
Map Reference	CAB K FILE 726&727
Instrument Date	Aug 29, 2023
Instrument	21002
Transaction Type	Transfer
Record Updated	Sep 15, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,050.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4103 HIGHLAND POINTE DR, MONROE, NC 28110-9113

Mortgage

Document Number	0000021003
Date	Aug 29, 2023
Instrument	21003

Lender

Name	T2 FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	4103 HIGHLAND POINTE DR, MONROE, NC 28110-9113
Transaction Type	Mortgage
Record Updated	Sep 27, 2021
Title Company	STEWART TITLE, STEWART TTL GUARANTY NON CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4103 HIGHLAND POINTE DR, MONROE, NC 28110-9113

Mortgage

Document Number	8236652
Date	Sep 9, 2021
Book Page	8236/652
Instrument	42833

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	4103 HIGHLAND POINTE DR, MONROE, NC 28110-9113
Transaction Type	Mortgage
Record Updated	May 20, 2021
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	8088674
Date	May 4, 2021
Book Page	8088/674
Instrument	21076

Lender

Name	INTERCONTINENTAL CAPITAL GROUP INC
Type	Mortgage Company
Address	MELVILLE, NY 11747

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2051

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Aug 13, 2019
Property Address	4103 HIGHLAND POINTE DR, MONROE, NC 28110-9113
Document Number	0007438429
Book / Page	7438 / 429
Map Reference	CAB K FILE 726&727
Instrument Date	Aug 12, 2019
Instrument	0023743
Transaction Type	Transfer
Record Updated	Dec 14, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$608.00
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	0000023744
Date	Aug 13, 2019
Instrument	0023744

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 4103 Highland Pointe Dr was $2,169.

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
2026		$426,800 (-) Land $88,000 Building $338,800	$426,800 (-) Land $88,000 Building $338,800
2025	$2,169.00	$426,800 Land $88,000 Building $338,800	$426,800 Land $88,000 Building $338,800
2023	$2,377.00 (+12.02%)	$355,200 (+8.69%) Land $48,000 Building $307,200	$355,200 (+8.69%) Land $48,000 Building $307,200
2022	$2,122.00	$326,800 Land $48,000 Building $278,800	$326,800 Land $48,000 Building $278,800

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

Flood

FEMA maps place 4103 Highland Pointe Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 4103 Highland Pointe Dr is low, with a 0.02% 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	0.02% 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 44 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

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