5111 Twin Cedars Dr, Monroe, NC 28110 Property Records

Union County property record for 5111 Twin Cedars Dr, Monroe, NC 28110

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,552 sqft · built 2006
Lot Size	1.59 acres (69,478 sqft)
Owner	2 Individual Names on Record
Last Sale	$410,000 (Feb 2021)
Tax Bill	$3,152 (2025)
Deeds & Mortgages	Nov 2022 Line of Credit Oct 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`06-003-059`

Property Details

APN / Parcel Number

Primary APN	`06-003-059`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	3,552 sqft Living Area
1st Floor Area	2,170 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Conventional
Exterior Material	Other
Construction Type	Wood
Foundation Type	Raised
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	69,478 sqft (1.59 acres)
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	329 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	5111 TWIN CEDARS DR
City	MONROE
State	NC
Zip	28110-8582
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-40 WESLE
Legal Description	#4 TWIN CEDARS + 0.665AC LOT OPCG112
Legal Subdivision	TWIN CEDARS
Jurisdiction	UNION NC
Township / Civil Division	SANDY RIDGE
Census Block Group	1
Census Block	1020
Census Tract	20308

Owner

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	2 Individual Names on Record
Mailing Address	5111 TWIN CEDARS DR, MONROE, NC 28110-8582
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 3, 2022	Deed of Trust, Mortgage · Line of Credit LOCAL GOVERNMENT FCU
Oct 5, 2022	Deed of Trust, Mortgage · Line of Credit LOCAL GOVERNMENT FCU
Feb 26, 2021	Special Warranty Deed, Transfer · VA Mortgage MOVEMENT MORTGAGE
Jun 29, 2020	Foreclosure ATTORNEY ONLY
Apr 20, 2017	Loan Modification, Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 26, 2021 · Amount on Record
Deed Sale	Feb 26, 2021 · Amount on Record
Prior Sale	Jun 29, 2020 · Amount on Record
Deed Document Number	20218906
Deed Book / Page	8003 / 643
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	5111 TWIN CEDARS DR, MONROE, NC 28110
Transaction Type	Mortgage
Record Updated	Dec 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008603322
Date	Nov 3, 2022
Book Page	8603/322
Instrument	37362

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union
Address	79797

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	5111 TWIN CEDARS DR, MONROE, NC 28110
Transaction Type	Mortgage
Record Updated	Oct 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000858637
Date	Oct 5, 2022
Book Page	8586/37
Instrument	34636

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	UNION NC
Recording Date	Feb 26, 2021
Property Address	5111 TWIN CEDARS DR, MONROE, NC 28110
Document Number	0008003643
Book / Page	8003 / 643
Map Reference	CAB G FILE 112
Instrument Date	Jan 20, 2021
Instrument	8906
Transaction Type	Transfer
Record Updated	Aug 24, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$820.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5000 PLANO PKWY, 5000, CARROLLTON, TX 75010-4900

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5109 TWIN CEDARS DR, MONROE, NC 28110-8582

Mortgage

Document Number	0000008907
Date	Feb 26, 2021
Instrument	8907

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

June 2020: Foreclosure

Document Type	Foreclosure
Jurisdiction	UNION NC
Recording Date	Jun 29, 2020
Property Address	5111 TWIN CEDARS DR, MONROE, NC 28110
Document Number	7717812
Book / Page	007717 / 000812
Instrument Date	Apr 7, 2020
Instrument	23542
Transaction Type	Foreclosure
Record Updated	Aug 17, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$687.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Investor	Possibly a Property Investor

April 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	UNION NC
Property Address	5111 TWIN CEDARS DR, MONROE, NC 28110
Document Number	6951801
Instrument Date	Apr 20, 2017
Transaction Type	Mortgage
Record Updated	Aug 30, 2018
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5109 TWIN CEDARS DR MONROE NC 281108582, MONROE, NC 28110-8582

Mortgage

Document Number	6951801
Date	Jun 13, 2017
Book Page	006951/000801
Instrument	16546

Lender

Name	WELLS FARGO BK
Type	Bank
Address	FORT MILL, SC 29715

Agreement

Amount	Amount Recorded
Term	480 Months
Due	Jun 12, 2057

Tax Assessment & Valuation

Source: Union County assessment roll, as of March 31, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Union County
Municipality	Wesley Chapel Village
Unified School District	Union County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$692,300 (-) Land $111,500 Building $580,800	$692,300 (-) Land $111,500 Building $580,800
2025	$3,152.00 (+4.06%)	$692,300 (+45.9%) Land $111,500 Building $580,800	$692,300 (+45.9%) Land $111,500 Building $580,800
2023	$3,029.00	$474,500 Land $71,700 Building $402,800	$474,500 Land $71,700 Building $402,800

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 · 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	2 in force
Nearby Flood Claims	3 (2015–2023)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Sep 2023 · alluvial fan flooding

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

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	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 49 locations within half a mile, as of December 31, 2025

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

May also be available: Ripple Fiber.

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