5100 Sand Trap Ct, Monroe, NC 28112 Property Records

Union County property record for 5100 Sand Trap Ct, Monroe, NC 28112

Property Summary

Property Type	Rural Home
Details	3 bd · 3 ba · 2,818 sqft · built 2014
Lot Size	0.175 acres (7,623 sqft)
Owner	2 Individual Names on File
Last Sale	$475,000 (May 2023)
Tax Bill	$2,634 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-417-116`

Property Details

APN / Parcel Number

Primary APN	`09-417-116`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,818 sqft Living Area
1st Floor Area	1,850 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	Conventional
Construction Type	Wood
Roof Type	Gable
Lot Area	7,623 sqft (0.175 acres)
Garage Type	Attached
Garage Area	609 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	414 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	5100 SAND TRAP CT
City	MONROE
State	NC
Zip	28112-7788
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	RA-40 UNIO
Legal Description	#140 STONEBRIDGE PARCEL 6 OPCJ774
Legal Subdivision	STONEBRIDGE
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	1
Census Block	1030
Census Tract	21005

Owner

5100 Sand Trap Ct, a rural home, is owned and occupied by two individuals who bought it in May 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	5100 SAND TRAP CT, MONROE, NC 28112-7788
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	2 Names on Deed
Last Sale	May 9, 2023 · Amount on File
Deed Sale	May 9, 2023 · Amount on File
Prior Sale	Jul 10, 2014 · Amount on File
Deed Document Number	202310827
Deed Book / Page	8704 / 445
Prior Transfer Date	Mar 30, 2011
Prior Transfer Doc	0005516743
Record Updated	Oct 29, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	May 9, 2023
Property Address	5100 SAND TRAP CT, MONROE, NC 28112-7788
Document Number	0008704445
Book / Page	8704 / 445
Map Reference	MB J FILE 774&775
Instrument Date	Apr 10, 2023
Instrument	10827
Transaction Type	Transfer
Record Updated	Dec 2, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$950.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	560 CROW CREEK DR NW, CALABASH, NC 28467-2516

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5100 SAND TRAP CT, MONROE, NC 28112-7788
Investor	Possibly a Property Investor

Mortgage

Document Number	0000010828
Date	May 9, 2023
Instrument	10828

Lender

Name	COASTAL FCU
Type	Credit Union

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	Jun 1, 2030
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	10.7%
Index	1-Year T-Bill
Max Rate	10.7%

Tax Assessment & Valuation

The 2025 property tax bill for 5100 Sand Trap Ct was $2,634.

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		$547,000 (-) Land $112,100 Building $434,900	$547,000 (-) Land $112,100 Building $434,900
2025	$2,634.00	$547,000 Land $112,100 Building $434,900	$547,000 Land $112,100 Building $434,900
2023	$2,110.00	$332,600 Land $67,500 Building $265,100	$332,600 Land $67,500 Building $265,100

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

Flood

FEMA maps place 5100 Sand Trap Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.

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	1 in force
Nearby Flood Claims	1 (2020)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2020 · other causes

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 5100 Sand Trap Ct 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 63 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20