Union County property record for 5103 Darby Dr, Monroe, NC 28110
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2 ba · 1,330 sqft · built 1990 |
| Lot Size | 0.209 acres (9,104 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $100,000 (Dec 2002) |
| Tax Bill | $887 (2025) |
| Deeds & Mortgages | Apr 2022 Reverse Mortgage Sep 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-093-051 |
| Primary APN | 07-093-051 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,330 sqft Living Area |
| Gross Area | 1,570 sqft |
| 1st Floor Area | 1,330 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 9,104 sqft (0.209 acres) |
| Garage Type | Attached |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 5103 DARBY DR |
|---|---|
| City | MONROE |
| State | NC |
| Zip | 28110-8818 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | SF-5 INDIA |
| Legal Description | #10 SANDALWOOD 5103 DARBY DR |
| Legal Subdivision | SANDALWOOD |
| Legal Lot Number | 10 |
| Jurisdiction | UNION NC |
| Township / Civil Division | VANCE |
| Census Block Group | 1 |
| Census Block | 1051 |
| Census Tract | 20307 |
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 | 5103 DARBY DR, MONROE, NC 28110-8818 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 19, 2022 | Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP |
| Sep 30, 2019 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 2, 2002 · Amount on Record |
| Deed Sale | Dec 2, 2002 · Amount on Record |
| Deed Document Number | 200247304 |
| Deed Book / Page | 1993 / 46 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 5103 DARBY DR, MONROE, NC 28110-8818 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2022 |
| Title Company | F/C TITLE SERVICES LLC, FNC TITLE SERVICES LLC |
| Name | Verified Name |
|---|---|
| Address | 5103 DARBY DR, MONROE, NC 28110-8818 |
| Document Number | 0008457784 |
|---|---|
| Date | Apr 19, 2022 |
| Book Page | 8457/784 |
| Instrument | 14575 |
| Name | AMERICAN ADVISORS GROUP |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92612 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 808 Months |
| Due | Aug 9, 2089 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.88% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jun 1, 2022 |
| Change Frequency | Monthly |
| Index | 1-Year CMT |
| Max Rate | 8.88% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 5103 DARBY DR, MONROE, NC 28110-8818 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 7477714 |
|---|---|
| Date | Sep 30, 2019 |
| Book Page | 7477/714 |
| Instrument | 0029770 |
| Name | FIFTH THIRD BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Aug 25, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Union County assessment roll, as of March 31, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Union County |
| Municipality | Indian Trail Town |
| Unified School District | Union County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $255,800 (-) Land $57,700 Building $198,100 | $255,800 (-) Land $57,700 Building $198,100 | |
| 2025 | $887.00 (+5.72%) | $255,800 (+34.28%) Land $57,700 Building $198,100 | $255,800 (+34.28%) Land $57,700 Building $198,100 |
| 2023 | $839.00 | $190,500 Land $36,100 Building $154,400 | $190,500 Land $36,100 Building $154,400 |
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 | 1 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 | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 280 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 |
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