4501 Secrest Shortcut Rd, Monroe, NC 28110 Property Records

Union County property record for 4501 Secrest Shortcut Rd, Monroe, NC 28110

Property Summary

Property Type	Rural Home
Details	3 bd · 2.5 ba · 2,206 sqft · built 2005
Lot Size	0.918 acres (39,988 sqft)
Owner	2 Company Names on Record
Tax Bill	$4,650 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Mar 2026 Transfer
Flood Zone	Zone X (minimal risk)
APN	`09-295-007C`

Property Details

APN / Parcel Number

Primary APN	`09-295-007C`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,206 sqft Living Area
1st Floor Area	2,206 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Wood
Roof Type	Hip
Lot Area	39,988 sqft (0.918 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	388 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	4501 SECREST SHORTCUT RD
City	MONROE
State	NC
Zip	28110-9257
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	CD MONROE
Legal Description	OPCI870
Legal Subdivision	MINOR SUBDIVISION OF THE MARGERY GRIFFIN
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	3
Census Block	3000
Census Tract	20401

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 Company Names on Record
Mailing Address	4501 SECREST SHORTCUT RD, MONROE, NC 28110-9257
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 3, 2026	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Mar 4, 2026	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Mar 4, 2026
Transfer Doc	0000005704
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	4501 SECREST SHORTCUT RD, MONROE, NC 28110-9257
Transaction Type	Mortgage
Record Updated	Mar 23, 2026
Title Company	WFG LENDER SERVICES, WFG LENDER SERVICES RESWARE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000093181
Date	Mar 3, 2026
Book Page	9318/1
Instrument	5569

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Feb 11, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	UNION NC
Recording Date	Mar 4, 2026
Property Address	4501 SECREST SHORTCUT RD, MONROE, NC 28110-9257
Document Number	0000931920
Book / Page	9319 / 20
Map Reference	CAB 1 FILE 870
Instrument Date	Mar 4, 2026
Instrument	5704
Transaction Type	Transfer
Record Updated	Mar 23, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	4501 SECREST SHORTCUT RD, MONROE, NC 28110-9257

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$532,000 (-) Land $64,300 Building $467,700	$532,000 (-) Land $64,300 Building $467,700
2025	$4,650.00 (+31.8%)	$532,000 (+64.4%) Land $64,300 Building $467,700	$532,000 (+64.4%) Land $64,300 Building $467,700
2023	$3,528.00	$323,600 Land $27,500 Building $296,100	$323,600 Land $27,500 Building $296,100

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 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	CITY OF MONROE serves 43,081 people · EPA ID NC0190010
Water Source	Surface water
Last State Inspection	Nov 2025
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Aug 2025
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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 14 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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