5109 Garden Gate Dr, Monroe, NC 28112 Property Records

Union County property record for 5109 Garden Gate Dr, Monroe, NC 28112

Property Summary

Property Type	Other Improved
Details	3 bd · 2.5 ba · 1,864 sqft · built 2023
Lot Size	1.86 acres (81,022 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,395 (2025)
Deeds & Mortgages	Apr 2023 Construction Loan Sep 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-285-020`

Property Details

APN / Parcel Number

Primary APN	`04-285-020`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,864 sqft Living Area
1st Floor Area	1,864 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Lot Area	81,022 sqft (1.86 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	5109 GARDEN GATE DR
City	MONROE
State	NC
Zip	28112-8894
Property Category	Other
Property Type	Other > Other Improved
Local Zoning Code	RA-40 UNIO
Legal Description	#3 THE HOMESTEAD OPCG816
Legal Subdivision	HOMESTEAD (THE)
Legal Lot Number	3
Jurisdiction	UNION NC
Township / Civil Division	BUFORD
Census Block Group	3
Census Block	3003
Census Tract	20902

Owner

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

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

Owner of Record	2 Individual Names on File
Mailing Address	5109 GARDEN GATE DR, MONROE, NC 28112-8894
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2023	Deed of Trust, Mortgage · Construction Mortgage PEOPLES BANK
Sep 18, 2023	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Mar 16, 2023	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 18, 2023
Deed Sale	Sep 18, 2023
Prior Sale	Mar 16, 2023 · Amount on File
Deed Document Number	202322706
Deed Book / Page	8782 / 887
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	5109 GARDEN GATE DR, MONROE, NC 28112-8894
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3037 OAKMERE RD, WAXHAW, NC 28173-6042

Mortgage

Document Number	0008693218
Date	Apr 20, 2023
Book Page	8693/218
Instrument	9174

Lender

Name	PEOPLES BANK
Type	Bank
Address	NEWTON, NC 28658

Agreement

Type	Construction Mortgage
Amount	Amount on Record

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Sep 18, 2023
Property Address	5109 GARDEN GATE DR, MONROE, NC 28112-8894
Document Number	0008782887
Book / Page	8782 / 887
Map Reference	CAB G PG 816&817
Instrument Date	Sep 15, 2023
Instrument	22706
Transaction Type	Transfer
Record Updated	Mar 31, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$985.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 689, WAXHAW, NC 28173-1002

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5109 GARDEN GATE DR, MONROE, NC 28112-8894

Mortgage

Document Number	0000022707
Date	Sep 18, 2023
Instrument	22707

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Mar 16, 2023
Property Address	5109 GARDEN GATE DR, MONROE, NC 28112-8894
Document Number	0008672813
Book / Page	8672 / 813
Map Reference	CAB G PG 816&817
Instrument Date	Mar 3, 2023
Instrument	6047
Transaction Type	Transfer
Record Updated	Mar 31, 2026

Transaction

Amount	Amount on Record
Tax	$179.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1411 LOVE RD, MONROE, NC 28110-7801

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 689, WAXHAW, NC 28173-1002

Tax Assessment & Valuation

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		$519,700 (-) Land $89,900 Building $429,800	$519,700 (-) Land $89,900 Building $429,800
2025	$2,395.00 (+561.6%)	$519,700 (+789.9%) Land $89,900 Building $429,800	$519,700 (+789.9%) Land $89,900 Building $429,800
2023	$362.00	$58,400 (-) Land $58,400	$58,400 (-) Land $58,400
2022	$362.00	$58,400 Land $58,400	$58,400 Land $58,400

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 14, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 53 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Garden Gate Dr

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