5127 Pond Bluff Dr, Monroe, NC 28112 Property Records

Union County property record for 5127 Pond Bluff Dr, Monroe, NC 28112

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,579 sqft · built 2004
Lot Size	2.6 acres (113,256 sqft)
Owner	2 Individual Names on File
Last Sale	$510,000 (Jan 2024)
Tax Bill	$2,353 (2025)
Deeds & Mortgages	Jan 2024 Sale & Mortgage Mar 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-285-013H`

Property Details

APN / Parcel Number

Primary APN	`04-285-013H`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,579 sqft Living Area
Gross Area	3,085 sqft
1st Floor Area	2,577 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	113,256 sqft (2.6 acres)
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	320 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	5127 POND BLUFF DR
City	MONROE
State	NC
Zip	28112-8081
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA-40 UNIO
Legal Description	#6 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

5127 Pond Bluff Dr is owned and occupied by two individuals who bought it in January 2024.

Source: Union County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	5127 POND BLUFF DR, MONROE, NC 28112-8081
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Date	Document
Jan 30, 2024	Warranty Deed, Transfer · Conventional Mortgage FIRST HORIZON BANK
Mar 15, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage TRUIST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 30, 2024 · Amount on File
Deed Sale	Jan 30, 2024 · Amount on File
Prior Sale	Jul 23, 2004 · Amount on File
Deed Document Number	20241950
Deed Book / Page	8846 / 289
Prior Transfer Date	Mar 10, 2022
Prior Transfer Doc	0000842572
Record Updated	Oct 29, 2026

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Jan 30, 2024
Property Address	5127 POND BLUFF DR, MONROE, NC 28112-8081
Document Number	0008846289
Book / Page	8846 / 289
Map Reference	CAB H FILE 374&375
Instrument Date	Jan 30, 2024
Instrument	1950
Transaction Type	Transfer
Record Updated	Feb 9, 2024
Title Company	FOREHAND TITLE COMPANY, MOREHEAD TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,020.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	339 E PARK RD APT 112, 112, INDIAN TRAIL, NC 28079-7882

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5127 POND BLUFF DR, MONROE, NC 28112-8081

Mortgage

Document Number	0000001951
Date	Jan 30, 2024
Instrument	1951

Lender

Name	FIRST HORIZON BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2054

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	UNION NC
Recording Date	Mar 15, 2022
Property Address	5127 POND BLUFF DR, MONROE, NC 28112-8081
Document Number	0000842572
Book / Page	8425 / 72
Map Reference	CAB H FILE 374&375
Instrument Date	Mar 10, 2022
Instrument	9561
Transaction Type	Transfer
Record Updated	Aug 24, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5127 POND BLUFF DR, MONROE, NC 28112-8081

Mortgage

Document Number	0000009562
Date	Mar 15, 2022
Instrument	9562

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2042

Tax Assessment & Valuation

The 2025 property tax bill for 5127 Pond Bluff Dr was $2,353.

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		$510,700 (-) Land $89,900 Building $420,800	$510,700 (-) Land $89,900 Building $420,800
2025	$2,353.00	$510,700 Land $89,900 Building $420,800	$510,700 Land $89,900 Building $420,800
2023	$2,271.00	$365,800 Land $77,400 Building $288,400	$365,800 Land $77,400 Building $288,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 5127 Pond Bluff Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 5127 Pond Bluff Dr 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 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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