5322 Pond Bluff Dr, Monroe, NC 28112 Property Records

Union County property record for 5322 Pond Bluff Dr, Monroe, NC 28112

Property Summary

Property Type	Other Improved
Details	5 bd · 3 ba · 2,510 sqft · built 2023
Lot Size	1.14 acres (49,658 sqft)
Owner	2 Individual Names on File
Last Sale	$531,000 (May 2023)
Tax Bill	$2,245 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage Oct 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-285-013C`

Property Details

APN / Parcel Number

Primary APN	`04-285-013C`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Building Area	2,510 sqft Living Area
1st Floor Area	1,184 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Lot Area	49,658 sqft (1.14 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	5322 POND BLUFF DR
City	MONROE
State	NC
Zip	28112-8093
Property Category	Other
Property Type	Other > Other Improved
Local Zoning Code	RA-40 UNIO
Legal Description	#1 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

5322 Pond Bluff Dr is owned and occupied by two individuals who bought it in May 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	5322 POND BLUFF DR, MONROE, NC 28112-8093
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
May 15, 2023	Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA
Oct 12, 2022	Warranty Deed, Transfer · Commercial Mortgage BUFFALO CREEK INVESTMENTS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 15, 2023 · Amount on File
Deed Sale	May 15, 2023 · Amount on File
Prior Sale	Oct 12, 2022 · Amount on File
Deed Document Number	202311396
Deed Book / Page	8708 / 365
Record Updated	Oct 29, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	May 15, 2023
Property Address	5322 POND BLUFF DR, MONROE, NC 28112-8093
Document Number	0008708365
Book / Page	8708 / 365
Map Reference	CAB H FILE 374
Instrument Date	May 15, 2023
Instrument	11396
Transaction Type	Transfer
Record Updated	Mar 31, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,062.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011397
Date	May 15, 2023
Instrument	11397

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Oct 12, 2022
Property Address	5322 POND BLUFF DR, MONROE, NC 28112-8093
Document Number	0000085897
Book / Page	8589 / 7
Map Reference	CAB H FILE 374
Instrument Date	Oct 11, 2022
Instrument	35111
Transaction Type	Transfer
Record Updated	Mar 31, 2026

Transaction

Amount	Amount on Record
Tax	$179.00
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	7407 OLD WAXHAW MONROE RD, WAXHAW, NC 28173-9665
Investor	Possibly a Property Investor

Mortgage

Document Number	0000035112
Date	Oct 12, 2022
Instrument	35112

Lender

Name	BUFFALO CREEK INVESTMENTS INC
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	12 Months
Due	Oct 11, 2023

Tax Assessment & Valuation

The 2025 property tax bill for 5322 Pond Bluff Dr was $2,245.

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		$487,100 (-) Land $87,700 Building $399,400	$487,100 (-) Land $87,700 Building $399,400
2025	$2,245.00	$487,100 Land $87,700 Building $399,400	$487,100 Land $87,700 Building $399,400
2023	$353.00	$57,000 Land $57,000	$57,000 Land $57,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 5322 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 5322 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 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.

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.

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