4509 Trunk Bay Dr, Monroe, NC 28110 Property Records

Union County property record for 4509 Trunk Bay Dr, Monroe, NC 28110

Property Summary

Property Type	Rural Home
Details	3 bd · 2.5 ba · 1,756 sqft · built 2013
Lot Size	0.096 acres (4,182 sqft)
Owner	Individual Name on File
Last Sale	$285,000 (Jan 2022)
Tax Bill	$1,676 (2025)
Deeds & Mortgages	Jan 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-403-035`

Property Details

APN / Parcel Number

Primary APN	`09-403-035`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,756 sqft Living Area
1st Floor Area	748 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Architectural Style	Conventional
Construction Type	Wood
Roof Type	Gable
Lot Area	4,182 sqft (0.096 acres)
Garage Type	Attached
Garage Area	260 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	56 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	4509 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	#217 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

Owner

4509 Trunk Bay Dr, a rural home, is owned and occupied by an individual who bought it in January 2022.

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

Owner of Record	Individual Name on File
Mailing Address	4509 TRUNK BAY DR, MONROE, NC 28110-9292
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 3, 2022 · Amount on File
Deed Sale	Jan 3, 2022 · Amount on File
Prior Sale	Apr 7, 2016 · Amount on File
Deed Document Number	202287
Deed Book / Page	8362 / 692
Record Updated	Oct 29, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Jan 3, 2022
Property Address	4509 TRUNK BAY DR, MONROE, NC 28110-9292
Document Number	0008362692
Book / Page	8362 / 692
Map Reference	CAB M FILE 31
Instrument Date	Jan 3, 2022
Instrument	87
Transaction Type	Transfer
Record Updated	Feb 24, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$570.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4509 TRUNK BAY DR, MONROE, NC 28110-9292

Mortgage

Document Number	0000000088
Date	Jan 3, 2022
Instrument	88

Lender

Name	FOUNDERS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 5, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.25%
Type Change Date	Jan 5, 2029
Change Frequency	10 Years
Min Rate At Change	2%
Max Rate At Change	4.25%
Index	Other
Max Rate	8.25%

Tax Assessment & Valuation

The 2025 property tax bill for 4509 Trunk Bay Dr was $1,676.

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		$346,500 (-) Land $72,400 Building $274,100	$346,500 (-) Land $72,400 Building $274,100
2025	$1,676.00	$346,500 Land $72,400 Building $274,100	$346,500 Land $72,400 Building $274,100
2023	$1,453.00	$227,000 Land $44,900 Building $182,100	$227,000 Land $44,900 Building $182,100

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

Flood

FEMA maps place 4509 Trunk Bay Dr in Zone X, an area of minimal flood risk.

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.

Wildfire

Wildfire risk around 4509 Trunk Bay Dr is low, with a 0.01% 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	0.01% annual chance
Exposure	None beyond ember reach

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 300 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 / 35
T-Mobile Fixed Wireless	100 / 20
Windstream DSL	100 / 20