5120 Pond Bluff Dr, Monroe, NC 28112 Property Records

Union County property record for 5120 Pond Bluff Dr, Monroe, NC 28112

Property Summary

Property Type	Other Improved
Details	4 bd · 2.5 ba · 2,718 sqft · built 2023
Lot Size	1.45 acres (63,162 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,722 (2025)
Deeds & Mortgages	Apr 2026 Construction Loan Aug 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-285-013M`

Property Details

APN / Parcel Number

Primary APN	`04-285-013M`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,718 sqft Living Area
1st Floor Area	1,226 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Lot Area	63,162 sqft (1.45 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	5120 POND BLUFF DR
City	MONROE
State	NC
Zip	28112-8081
Property Category	Other
Property Type	Other > Other Improved
Local Zoning Code	RA-40 UNIO
Legal Description	#10 LATHAN'S POND OPCH374
Legal Subdivision	LATHANS POND
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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	5120 POND BLUFF DR, MONROE, NC 28112-8081
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 21, 2026	Deed of Trust, Mortgage · Construction Mortgage AMERICAN BANK OF MO INC
Aug 31, 2023	Warranty Deed, Transfer · Conventional Mortgage CRESCENT MORTGAGE CO
Mar 15, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage BUFFALO CREEK INVESTMENTS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Recording Date	Apr 21, 2026
Property Address	5120 POND BLUFF DR, MONROE, NC 28112-8081
Document Number	0000010684
Book / Page	9354 / 389
Instrument Date	Apr 13, 2026
Instrument	202610684
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NORTH CAROLINA LAND TITLE ASSO, NORTH CAROLINA LAND TITLE AS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5120 POND BLUFF DR, MONROE, NC 28112-8081
Investor	Possibly a Property Investor

Mortgage

Document Number	0000010684,
Date	Apr 21, 2026
Book Page	9354/389
Instrument	202610684

Lender

Name	AMERICAN BANK OF MO INC

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Rate Type	Adjustable Rate
Rate	6.11%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Aug 31, 2023
Property Address	5120 POND BLUFF DR, MONROE, NC 28112-8081
Document Number	0008773762
Book / Page	8773 / 762
Map Reference	CAB H FILE 374&375
Instrument Date	Aug 31, 2023
Instrument	21289
Transaction Type	Transfer
Record Updated	Mar 31, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5120 POND BLUFF DR, MONROE, NC 28112-8081

Mortgage

Document Number	0000021290
Date	Aug 31, 2023
Instrument	21290

Lender

Name	CRESCENT MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Mar 15, 2023
Property Address	5120 POND BLUFF DR, MONROE, NC 28112-8081
Document Number	0008671617
Book / Page	8671 / 617
Map Reference	CAB H FILE 374&375
Instrument Date	Mar 15, 2023
Instrument	5864
Transaction Type	Transfer
Record Updated	Mar 31, 2026
Title Company	CAROLINA TITLE COMPANY INC

Transaction

Amount	Amount Recorded
Tax	$176.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2675 OLD CHARLOTTE HWY, MONROE, NC 28110-7364

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 373, WAXHAW, NC 28173-1045
Investor	Possibly a Property Investor

Mortgage

Document Number	0000005859
Date	Mar 15, 2023
Instrument	5859

Lender

Name	BUFFALO CREEK INVESTMENTS INC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Mar 15, 2024

Mortgage

Document Number	0008671619
Date	Mar 15, 2023
Book Page	8671/619
Instrument	5865

Lender

Name	BUFFALO CREEK INVESTMENTS INC
Type	Non-Lending Institution
Address	MARSHVILLE, NC 28103

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Mar 15, 2024

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		$590,600 (-) Land $88,200 Building $502,400	$590,600 (-) Land $88,200 Building $502,400
2025	$2,722.00 (+855.09%)	$590,600 (+1,183.91%) Land $88,200 Building $502,400	$590,600 (+1,183.91%) Land $88,200 Building $502,400
2023	$285.00	$46,000 (-) Land $46,000	$46,000 (-) Land $46,000
2022	$285.00	$46,000 Land $46,000	$46,000 Land $46,000

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 94% of the US · lower than 96% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 47 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

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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