Union County property record for 5107 Sand Trap Ct, Monroe, NC 28112
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2 ba · 1,678 sqft · built 2016 |
| Lot Size | 0.254 acres (11,064 sqft) |
| Owner | Individual Name on File |
| Last Sale | $42,000 (Aug 2014) |
| Tax Bill | $1,971 (2025) |
| Deeds & Mortgages | Jan 2026 Mortgage Mar 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-417-147 |
| Primary APN | 09-417-147 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,678 sqft Living Area |
| 1st Floor Area | 1,678 sqft |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Architectural Style | Conventional |
| Construction Type | Wood |
| Roof Type | Gable |
| Lot Area | 11,064 sqft (0.254 acres) |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 504 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 5107 SAND TRAP CT |
|---|---|
| City | MONROE |
| State | NC |
| Zip | 28112-0002 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | RA-40 UNIO |
| Legal Description | #170 STONEBRIDGE OPCJ729/OPCJ774-775 |
| Legal Subdivision | STONEBRIDGE |
| Jurisdiction | UNION NC |
| Township / Civil Division | MONROE |
| Census Block Group | 1 |
| Census Block | 1032 |
| Census Tract | 21005 |
5107 Sand Trap Ct, a rural home, is owned by an individual who bought it in August 2014.
Source: Union County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 1304, WAXHAW, NC 28173-1013 |
| 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.
| Date | Document |
|---|---|
| Jan 8, 2026 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Mar 14, 2023 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| May 9, 2025 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 19, 2014 · Amount on File |
| Deed Sale | Aug 19, 2014 · Amount on File |
| Deed Document Number | 201421591 |
| Deed Book / Page | 6284 / 524 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 5107 SAND TRAP CT, MONROE, NC 28112-0002 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2026 |
| Title Company | ACCURATE GROUP, ACCURATE GROUP LLC |
| Name | Verified Name |
|---|---|
| Address | 5107 SAND TRAP CT, MONROE, NC 28112-0002 |
| Document Number | 0009282782 |
|---|---|
| Date | Jan 8, 2026 |
| Book Page | 9282/782 |
| Instrument | 496 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 5107 SAND TRAP CT, MONROE, NC 28112-0002 |
| Transaction Type | Mortgage |
| Record Updated | Dec 2, 2025 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 1304, WAXHAW, NC 28173-1013 |
| Document Number | 0000867128 |
|---|---|
| Date | Mar 14, 2023 |
| Book Page | 8671/28 |
| Instrument | 5764 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Apr 1, 2043 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 5107 SAND TRAP CT, MONROE, NC 28112-0002 |
| Transaction Type | Mortgage |
| Record Updated | Dec 2, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000911563 |
|---|---|
| Date | May 9, 2025 |
| Book Page | 9115/63 |
| Instrument | 11400 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 5107 Sand Trap Ct was $1,971.
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 | $409,400 (-) Land $95,500 Building $313,900 | $409,400 (-) Land $95,500 Building $313,900 | |
| 2025 | $1,971.00 | $409,400 Land $95,500 Building $313,900 | $409,400 Land $95,500 Building $313,900 |
| 2023 | $1,759.00 | $277,400 Land $67,500 Building $209,900 | $277,400 Land $67,500 Building $209,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5107 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 risk around 5107 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.
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 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 |
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