Union County property record for 5115 Sand Trap Ct, Monroe, NC 28112
| Property Type | Rural Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,116 sqft · built 2015 |
| Lot Size | 0.263 acres (11,456 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $574,500 (Jun 2025) |
| Tax Bill | $2,653 (2025) |
| Deeds & Mortgages | Mar 2026 Line of Credit Apr 2025 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-417-145 |
| Primary APN | 09-417-145 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 3,116 sqft Living Area |
| 1st Floor Area | 1,336 sqft |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Architectural Style | Conventional |
| Construction Type | Wood |
| Roof Type | Gable |
| Lot Area | 11,456 sqft (0.263 acres) |
| Garage Type | Attached |
| Garage Area | 665 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 257 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 5115 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 | #168 STONEBRIDGE OPCJ729 OPCJ774-775 |
| Legal Subdivision | STONEBRIDGE |
| Jurisdiction | UNION NC |
| Township / Civil Division | MONROE |
| Census Block Group | 1 |
| Census Block | 1032 |
| Census Tract | 21005 |
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 | 5115 SAND TRAP CT, MONROE, NC 28112-0002 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Mar 13, 2026 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Apr 8, 2025 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Jun 11, 2025 | Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 11, 2025 · Amount on Record |
| Deed Sale | Jun 11, 2025 · Amount on Record |
| Prior Sale | May 21, 2015 · Amount on Record |
| Deed Document Number | 202514579 |
| Deed Book / Page | 9136 / 203 |
| Prior Transfer Date | Mar 30, 2011 |
| Prior Transfer Doc | 0005516743 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 5115 SAND TRAP CT, MONROE, NC 28112-0002 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Title Company | WFG LENDER SERVICES |
| Name | Verified Name |
|---|
| Document Number | 0009325406 |
|---|---|
| Date | Mar 13, 2026 |
| Book Page | 9325/406 |
| Instrument | 6629 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Feb 27, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 5115 SAND TRAP CT, MONROE, NC 28112-0002 |
| Transaction Type | Mortgage |
| Record Updated | Dec 2, 2025 |
| Name | Verified Name |
|---|---|
| Address | 5115 SAND TRAP CT, MONROE, NC 28112-0002 |
| Document Number | 0009094840 |
|---|---|
| Date | Apr 8, 2025 |
| Book Page | 9094/840 |
| Instrument | 8346 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Jun 11, 2025 |
| Property Address | 5115 SAND TRAP CT, MONROE, NC 28112-0002 |
| Document Number | 0000913620 |
| Book / Page | 9136 / 20 |
| Map Reference | CAB J FILE 774&775 |
| Instrument Date | Jun 5, 2025 |
| Instrument | 14579 |
| Transaction Type | Transfer |
| Record Updated | Dec 2, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,149.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5308 N OCEAN BLVD # BLVD1, BLVD1, MYRTLE BEACH, SC 29577-2563 |
| Name | Verified Name |
|---|---|
| Address | 5115 SAND TRAP CT, MONROE, NC 28112-0002 |
| Document Number | 0000014580 |
|---|---|
| Date | Jun 11, 2025 |
| Instrument | 14580 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2055 |
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 | $551,000 (-) Land $95,500 Building $455,500 | $551,000 (-) Land $95,500 Building $455,500 | |
| 2025 | $2,653.00 (+20.26%) | $551,000 (+58.42%) Land $95,500 Building $455,500 | $551,000 (+58.42%) Land $95,500 Building $455,500 |
| 2023 | $2,206.00 | $347,800 Land $67,500 Building $280,300 | $347,800 Land $67,500 Building $280,300 |
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 |
| 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.
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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