Union County property record for 4502 Trunk Bay Dr, Monroe, NC 28110
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,220 sqft · built 2013 |
| Lot Size | 0.165 acres (7,187 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $265,000 (Dec 2020) |
| Tax Bill | $1,881 (2025) |
| Deeds & Mortgages | Jul 2019 Mortgage Dec 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-403-041 |
| Primary APN | 09-403-041 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 2,220 sqft Living Area |
| 1st Floor Area | 886 sqft |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2013 |
| Architectural Style | Conventional |
| Construction Type | Wood |
| Roof Type | Gable |
| Lot Area | 7,187 sqft (0.165 acres) |
| Garage Type | Attached |
| Garage Area | 380 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 68 sqft |
| Deck Area | 320 sqft |
| Patio Area | 320 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 4502 TRUNK BAY DR |
|---|---|
| City | MONROE |
| State | NC |
| Zip | 28110-9294 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | RA-20 UNIO |
| Legal Description | #223 ST.JOHN'S FOREST PH4 MAP7 OPCM031 |
| Legal Subdivision | ST JOHNS FOREST |
| Jurisdiction | UNION NC |
| Township / Civil Division | MONROE |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 20308 |
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 | 4502 TRUNK BAY DR, MONROE, NC 28110-9294 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 9, 2019 | Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Dec 31, 2020 | Warranty Deed, Transfer · FHA Mortgage CERTAINTY HOME LOANS LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 31, 2020 · Amount on Record |
| Deed Sale | Dec 31, 2020 · Amount on Record |
| Prior Sale | Feb 24, 2014 · Amount on Record |
| Deed Document Number | 202054803 |
| Deed Book / Page | 7940 / 670 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 4502 TRUNK BAY DR, MONROE, NC 28110-9294 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST CHOICE TITLE SVCS INC |
| Name | Verified Name |
|---|
| Document Number | 7409889 |
|---|---|
| Date | Jul 9, 2019 |
| Book Page | 7409/889 |
| Instrument | 0019343 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Dec 31, 2020 |
| Property Address | 4502 TRUNK BAY DR, MONROE, NC 28110-9294 |
| Document Number | 0007940670 |
| Book / Page | 7940 / 670 |
| Map Reference | CAB M FILE 31 |
| Instrument Date | Dec 22, 2020 |
| Instrument | 54803 |
| Transaction Type | Transfer |
| Record Updated | Dec 14, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $530.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4502 TRUNK BAY DR, MONROE, NC 28110-9294 |
| Document Number | 0000054804 |
|---|---|
| Date | Dec 31, 2020 |
| Instrument | 54804 |
| Name | CERTAINTY HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2051 |
Source: Union County assessment roll, as of March 31, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Union County |
| Unified School District | Union County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $388,900 (-) Land $72,400 Building $316,500 | $388,900 (-) Land $72,400 Building $316,500 | |
| 2025 | $1,881.00 (+15.19%) | $388,900 (+52.39%) Land $72,400 Building $316,500 | $388,900 (+52.39%) Land $72,400 Building $316,500 |
| 2023 | $1,633.00 | $255,200 Land $44,900 Building $210,300 | $255,200 Land $44,900 Building $210,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 6 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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 92 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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