Union County property record for 4505 Trunk Bay Dr, Monroe, NC 28110
| Property Type | Rural Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,057 sqft · built 2013 |
| Lot Size | 0.106 acres (4,617 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $255,000 (Nov 2020) |
| Tax Bill | $1,777 (2025) |
| Deeds & Mortgages | Jun 2018 Mortgage Aug 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-403-037 |
| Primary APN | 09-403-037 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,057 sqft Living Area |
| 1st Floor Area | 821 sqft |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2013 |
| Architectural Style | Conventional |
| Construction Type | Wood |
| Roof Type | Gable |
| Lot Area | 4,617 sqft (0.106 acres) |
| Garage Type | Attached |
| Garage Area | 415 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 56 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Street Address | 4505 TRUNK BAY DR |
|---|---|
| City | MONROE |
| State | NC |
| Zip | 28110-9292 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | RA-20 UNIO |
| Legal Description | #219 ST. JOHN'S FOREST PH4 MP7 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 4505 TRUNK BAY DR, MONROE, NC 28110-9292 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 26, 2018 | Deed of Trust, Mortgage · FHA Mortgage MERIDIAN HOME MORTGAGE CORP |
| Aug 19, 2019 | Deed of Trust, Mortgage · FHA Mortgage BLUE RIDGE BANK |
| Nov 3, 2020 | Warranty Deed, Transfer · Conventional Mortgage NFM INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 3, 2020 · Amount on Record |
| Deed Sale | Nov 3, 2020 · Amount on Record |
| Prior Sale | Feb 3, 2014 · Amount on Record |
| Deed Document Number | 202045095 |
| Deed Book / Page | 7871 / 744 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 4505 TRUNK BAY DR, MONROE, NC 28110-9292 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | ADVANTAGE TITLE COMPANY LLC |
| Name | Verified Name |
|---|
| Document Number | 7183199 |
|---|---|
| Date | Jun 26, 2018 |
| Book Page | 7183/199 |
| Instrument | 0017461 |
| Name | MERIDIAN HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | WESTMINSTER, MD 21157 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 4505 TRUNK BAY DR, MONROE, NC 28110-9292 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 7443212 |
|---|---|
| Date | Aug 19, 2019 |
| Book Page | 7443/212 |
| Instrument | 0024455 |
| Name | BLUE RIDGE BANK |
|---|---|
| Type | Bank |
| Address | GREENSBORO, NC 27409 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Nov 3, 2020 |
| Property Address | 4505 TRUNK BAY DR, MONROE, NC 28110-9292 |
| Document Number | 0007871744 |
| Book / Page | 7871 / 744 |
| Map Reference | CAB M FILE 31 |
| Instrument Date | Nov 3, 2020 |
| Instrument | 45095 |
| Transaction Type | Transfer |
| Record Updated | Dec 14, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $510.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4505 TRUNK BAY DR, MONROE, NC 28110-9292 |
| Document Number | 0000045096 |
|---|---|
| Date | Nov 3, 2020 |
| Instrument | 45096 |
| Name | NFM INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2050 |
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 | $367,500 (-) Land $72,400 Building $295,100 | $367,500 (-) Land $72,400 Building $295,100 | |
| 2025 | $1,777.00 (+13.84%) | $367,500 (+50.68%) Land $72,400 Building $295,100 | $367,500 (+50.68%) Land $72,400 Building $295,100 |
| 2023 | $1,561.00 | $243,900 Land $44,900 Building $199,000 | $243,900 Land $44,900 Building $199,000 |
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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