Union County property record for 5120 Sand Trap Ct, Monroe, NC 28112
| Property Type | Rural Home |
|---|---|
| Details | 5 bd · 3.5 ba · 3,262 sqft · built 2014 |
| Lot Size | 0.205 acres (8,930 sqft) |
| Owner | Individual Name on File |
| Last Sale | $500,000 (May 2023) |
| Tax Bill | $2,800 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage May 2023 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-417-108 |
| Primary APN | 09-417-108 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 3,262 sqft Living Area |
| 1st Floor Area | 1,730 sqft |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Architectural Style | Conventional |
| Construction Type | Wood |
| Roof Type | Gable |
| Lot Area | 8,930 sqft (0.205 acres) |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 30 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 5120 SAND TRAP CT |
|---|---|
| City | MONROE |
| State | NC |
| Zip | 28112-7788 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | RA-40 UNIO |
| Legal Description | #133 STONEBRIDGE OPCJ729/OPCJ774-775 |
| Legal Subdivision | STONEBRIDGE |
| Jurisdiction | UNION NC |
| Township / Civil Division | MONROE |
| Census Block Group | 1 |
| Census Block | 1030 |
| Census Tract | 21005 |
5120 Sand Trap Ct, a rural home, is owned by an individual who bought it in May 2023.
Source: Union County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1551 HIGHWAY 9 BYP W, LANCASTER, SC 29720-4716 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 17, 2025 | Deed of Trust, Mortgage · Conventional Mortgage GENERAL MORTGAGE CAPITAL CORP |
| May 5, 2023 | Warranty Deed, Transfer MOREHEAD TITLE |
| Jun 2, 2017 | Warranty Deed, Transfer · FHA Mortgage SUNTRUST MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 5, 2023 · Amount on File |
| Deed Sale | May 5, 2023 · Amount on File |
| Prior Sale | Jun 2, 2017 · Amount on File |
| Deed Document Number | 202310678 |
| Deed Book / Page | 8703 / 478 |
| 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 | 5120 SAND TRAP CT, MONROE, NC 28112-7788 |
| Transaction Type | Mortgage |
| Record Updated | Dec 2, 2025 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 146 GRAYSON DR, BELLE MEAD, NJ 08502-4933 |
| Document Number | 0009224612 |
|---|---|
| Date | Oct 17, 2025 |
| Book Page | 9224/612 |
| Instrument | 27235 |
| Name | GENERAL MORTGAGE CAPITAL CORP |
|---|---|
| Type | Mortgage Company |
| Address | BURLINGAME, CA 94010 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | May 5, 2023 |
| Property Address | 5120 SAND TRAP CT, MONROE, NC 28112-7788 |
| Document Number | 0008703478 |
| Book / Page | 8703 / 478 |
| Map Reference | CAB J FILE 774&775 |
| Instrument Date | May 5, 2023 |
| Instrument | 10678 |
| Transaction Type | Transfer |
| Record Updated | Dec 2, 2025 |
| Title Company | MOREHEAD TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $1,000.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5120 SAND TRAP CT, MONROE, NC 28112-7788 |
| Name | Verified Name |
|---|---|
| Address | 1551 HIGHWAY 9 BYP W, LANCASTER, SC 29720-4716 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Jun 2, 2017 |
| Property Address | 5120 SAND TRAP CT, MONROE, NC 28112-7788 |
| Document Number | 6944287 |
| Book / Page | 006944 / 000287 |
| Instrument Date | May 30, 2017 |
| Instrument | 15355 |
| Transaction Type | Transfer |
| Record Updated | Jul 14, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $620.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 5120 SAND TRAP CT MONROE NC 281127788, MONROE, NC 28112-7788 |
| Document Number | 6944289 |
|---|---|
| Date | Jun 2, 2017 |
| Book Page | 006944/000289 |
| Instrument | 15356 |
| Name | SUNTRUST MTG |
|---|---|
| Type | Mortgage Company |
| Address | RICHMOND, VA 23224 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2047 |
The 2025 property tax bill for 5120 Sand Trap Ct was $2,800.
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 | $581,400 (-) Land $112,100 Building $469,300 | $581,400 (-) Land $112,100 Building $469,300 | |
| 2025 | $2,800.00 | $581,400 Land $112,100 Building $469,300 | $581,400 Land $112,100 Building $469,300 |
| 2023 | $2,214.00 | $349,000 Land $67,500 Building $281,500 | $349,000 Land $67,500 Building $281,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5120 Sand Trap Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.
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.
Wildfire risk around 5120 Sand Trap Ct is low, with a 0.02% annual chance of 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.
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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