Union County property record for 5116 Darby Dr, Monroe, NC 28110
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2 ba · 1,228 sqft · built 1990 |
| Lot Size | 0.188 acres (8,189 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $307,500 (Jun 2024) |
| Tax Bill | $1,776 (2025) |
| Deeds & Mortgages | Feb 2023 Line of Credit May 2021 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-093-061 |
| Primary APN | 07-093-061 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,228 sqft Living Area |
| Gross Area | 1,428 sqft |
| 1st Floor Area | 1,228 sqft |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 8,189 sqft (0.188 acres) |
| Garage Type | Attached |
| Garage Area | 200 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | Deck Area |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 5116 DARBY DR |
|---|---|
| City | MONROE |
| State | NC |
| Zip | 28110-8817 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | SF-5 INDIA |
| Legal Description | #20 SANDALWOOD OPCC356 |
| Legal Subdivision | SANDALWOOD |
| Legal Lot Number | 20 |
| Jurisdiction | UNION NC |
| Township / Civil Division | VANCE |
| Census Block Group | 1 |
| Census Block | 1051 |
| Census Tract | 20307 |
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 | 5116 DARBY DR, MONROE, NC 28110-8817 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Feb 17, 2023 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| May 26, 2021 | Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC |
| Mar 14, 2024 | Warranty Deed, Transfer |
| May 26, 2021 | Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC |
| Jun 4, 2020 | Deed of Trust, Mortgage · VA Mortgage PENNYMAC |
| Feb 26, 2019 | Warranty Deed, Transfer · VA Mortgage SUPREME LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 11, 2024 · Amount on Record |
| Deed Sale | Jun 11, 2024 · Amount on Record |
| Prior Sale | Mar 14, 2024 · Amount on Record |
| Deed Document Number | 202413292 |
| Deed Book / Page | 8919 / 111 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 5116 DARBY DR, MONROE, NC 28110-8817 |
| Transaction Type | Mortgage |
| Record Updated | Jul 1, 2026 |
| Title Company | WFG LENDER SERVICES, WFG LENDER SERVICES RESWARE |
| Name | Verified Name |
|---|
| Document Number | 0008657258 |
|---|---|
| Date | Feb 17, 2023 |
| Book Page | 8657/258 |
| Instrument | 3706 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 5116 DARBY DR, MONROE, NC 28110-8817 |
| Transaction Type | Mortgage |
| Record Updated | Jul 1, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0008114844 |
|---|---|
| Date | May 26, 2021 |
| Book Page | 8114/844 |
| Instrument | 25022 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Mar 14, 2024 |
| Property Address | 5116 DARBY DR, MONROE, NC 28110-8817 |
| Document Number | 0008868569 |
| Book / Page | 8868 / 569 |
| Map Reference | CAB C FILE 356 |
| Instrument Date | Mar 14, 2024 |
| Instrument | 5555 |
| Transaction Type | Transfer |
| Record Updated | Jul 1, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $565.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5003 REVELATION WAY, MONROE, NC 28110-7894 |
| Name | Verified Name |
|---|---|
| Address | 410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976 |
| Investor | Possibly a Property Investor |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 5116 DARBY DR, MONROE, NC 28110-8817 |
| Transaction Type | Mortgage |
| Record Updated | Jun 11, 2021 |
| Name | Verified Name |
|---|
| Document Number | 8114844 |
|---|---|
| Date | May 26, 2021 |
| Book Page | 8114/844 |
| Instrument | 25022 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 5116 DARBY DR, MONROE, NC 28110-8817 |
| Document Number | 7694602 |
| Instrument Date | Jun 4, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 31, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 5116 DARBY DR MONROE NC 281108817, MONROE, NC 28110-8817 |
| Document Number | 7694602 |
|---|---|
| Date | Jun 8, 2020 |
| Book Page | 007694/000602 |
| Instrument | 20300 |
| Name | PENNYMAC |
|---|---|
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 7, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Feb 26, 2019 |
| Property Address | 5116 DARBY DR, MONROE, NC 28110-8817 |
| Document Number | 7319680 |
| Book / Page | 007319 / 000680 |
| Instrument Date | Feb 26, 2019 |
| Instrument | 4757 |
| Transaction Type | Transfer |
| Record Updated | Mar 15, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $340.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5116 DARBY DR MONROE NC 281108817, MONROE, NC 28110-8817 |
| Document Number | 7319682 |
|---|---|
| Date | Feb 26, 2019 |
| Book Page | 007319/000682 |
| Instrument | 4758 |
| Name | SUPREME LNDG |
|---|---|
| Address | DALLAS, TX 75234 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 25, 2049 |
Source: Union County assessment roll, as of March 31, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Union County |
| Municipality | Indian Trail Town |
| Unified School District | Union County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $263,900 (-) Land $57,200 Building $206,700 | $263,900 (-) Land $57,200 Building $206,700 | |
| 2025 | $1,776.00 (+1.83%) | $263,900 (+28.73%) Land $57,200 Building $206,700 | $263,900 (+28.73%) Land $57,200 Building $206,700 |
| 2023 | $1,744.00 | $205,000 Land $35,800 Building $169,200 | $205,000 Land $35,800 Building $169,200 |
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 |
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 | 0.01% 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 280 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Ripple Fiber Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
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