Union County property record for 5108 Sand Trap Ct, Monroe, NC 28112
| Property Type | Rural Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,119 sqft · built 2015 |
| Lot Size | 0.178 acres (7,754 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $312,500 (Jul 2018) |
| Tax Bill | $2,728 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Jul 2025 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-417-112 |
| Primary APN | 09-417-112 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 3,119 sqft Living Area |
| 1st Floor Area | 1,336 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Architectural Style | Conventional |
| Construction Type | Wood |
| Roof Type | Gable |
| Lot Area | 7,754 sqft (0.178 acres) |
| Garage Type | Attached |
| Garage Area | 473 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 147 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 5108 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 | #136 STONEBRIDGE OPCJ729/OPCJ774-775 |
| Legal Subdivision | STONEBRIDGE |
| Jurisdiction | UNION NC |
| Township / Civil Division | MONROE |
| Census Block Group | 1 |
| Census Block | 1030 |
| Census Tract | 21005 |
5108 Sand Trap Ct, a rural home, is owned by two individuals who acquired it in July 2025.
Source: Union County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 510 SAND TRAP CT, MONROE, NC 28112 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
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 |
|---|---|
| Apr 22, 2026 | Deed of Trust, Mortgage · Conventional Mortgage TRUST BANK |
| Jul 30, 2025 | Intrafamily Transfer, Transfer |
| Jul 31, 2018 | Warranty Deed, Transfer · FHA Mortgage SUNTRUST MORTGAGE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 31, 2018 · Amount on File |
| Deed Sale | Jul 31, 2018 · Amount on File |
| Prior Sale | Aug 17, 2015 · Amount on File |
| Deed Document Number | 201821400 |
| Deed Book / Page | 7207 / 559 |
| Last Transfer Date | Jul 25, 2025 |
| Transfer Doc | 0009168197 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Apr 22, 2026 |
| Property Address | 5108 SAND TRAP CT, MONROE, NC 28112-7788 |
| Document Number | 0000010888 |
| Book / Page | 9356 / 1 |
| Instrument Date | Apr 17, 2026 |
| Instrument | 202610888 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | KENSINGTON VANGUARD NATIONAL LAND, KENSINGTON VANGUARD |
| Name | Verified Name |
|---|---|
| Address | 5108 SAND TRAP CT, MONROE, NC 28112-7788 |
| Document Number | 0000010888, |
|---|---|
| Date | Apr 22, 2026 |
| Book Page | 9356/1 |
| Instrument | 202610888 |
| Name | TRUST BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.22% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Jul 30, 2025 |
| Property Address | 5108 SAND TRAP CT, MONROE, NC 28112-7788 |
| Document Number | 0009168197 |
| Book / Page | 9168 / 197 |
| Map Reference | CAB J PG 774 |
| Instrument Date | Jul 25, 2025 |
| Instrument | 19180 |
| Transaction Type | Transfer |
| Record Updated | Dec 2, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 510 SAND TRAP CT, MONROE, NC 28112 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Jul 31, 2018 |
| Property Address | 5108 SAND TRAP CT, MONROE, NC 28112-7788 |
| Document Number | 0007207559 |
| Book / Page | 7207 / 559 |
| Map Reference | CAB J PG 774 |
| Instrument Date | Jul 31, 2018 |
| Instrument | 0021400 |
| Transaction Type | Transfer |
| Record Updated | Dec 14, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $625.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1207 FLINT CT, 1207, WEDDINGTON, NC 28104-7772 |
| Name | Verified Name |
|---|---|
| Address | 5108 SAND TRAP CT, MONROE, NC 28112-7788 |
| Document Number | 0000021401 |
|---|---|
| Date | Jul 31, 2018 |
| Instrument | 0021401 |
| Name | SUNTRUST MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2048 |
The 2025 property tax bill for 5108 Sand Trap Ct was $2,728.
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 | $566,600 (-) Land $112,100 Building $454,500 | $566,600 (-) Land $112,100 Building $454,500 | |
| 2025 | $2,728.00 | $566,600 Land $112,100 Building $454,500 | $566,600 Land $112,100 Building $454,500 |
| 2023 | $2,174.00 | $342,700 Land $67,500 Building $275,200 | $342,700 Land $67,500 Building $275,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5108 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 5108 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 | 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 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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