702 Saddlebrook Dr, Monroe, NC 28112 Property Records

Union County property record for 702 Saddlebrook Dr, Monroe, NC 28112

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,818 sqft · built 2018
Lot Size	1.47 acres (64,077 sqft)
Owner	2 Individual Names on Record
Last Sale	$18,000 (Jul 2017)
Tax Bill	$2,718 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Nov 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09-161-066`

Property Details

APN / Parcel Number

Primary APN	`09-161-066`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,818 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Construction Type	Wood
Foundation Type	No Foundation
Roof Type	Gable
Lot Area	64,077 sqft (1.47 acres)
Garage Type	Attached
Garage Area	522 sqft
Porch	Slab
Porch Area	356 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	702 SADDLEBROOK DR
City	MONROE
State	NC
Zip	28112-9455
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-20 MONRO
Legal Description	#1 SADDLEBROOK OPCC364
Legal Subdivision	SADDLEBROOK
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	2
Census Block	2036
Census Tract	20602

Owner

Source: Union County records, as of March 31, 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	702 SADDLEBROOK DR, MONROE, NC 28112-9455
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage FOUNDERS FCU
Nov 25, 2019	Deed of Trust, Mortgage · Conventional Mortgage FOUNDERS FCU
Oct 10, 2017	Deed of Trust, Mortgage · ARM FOUNDERS FCU
Jul 21, 2017	Warranty Deed, Transfer CHICAGO TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 21, 2017 · Amount on Record
Deed Sale	Jul 21, 2017 · Amount on Record
Deed Document Number	201720820
Deed Book / Page	6977 / 674
Record Updated	Jun 8, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	702 SADDLEBROOK DR, MONROE, NC 28112-9455
Transaction Type	Mortgage
Record Updated	Feb 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7963538
Date	Jan 25, 2021
Book Page	7963/538
Instrument	3299

Lender

Name	FOUNDERS FCU
Type	Credit Union
Address	LANCASTER, SC 29720

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.5%
Type Change Date	Feb 5, 2028
Change Frequency	Annually
Min Rate At Change	2%
Max Rate At Change	4.5%
Index	10-Year TN
Max Rate	8.5%

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	702 SADDLEBROOK DR, MONROE, NC 28112-9455
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7525268
Date	Nov 25, 2019
Book Page	7525/268
Instrument	0036835

Lender

Name	FOUNDERS FCU
Type	Credit Union
Address	LANCASTER, SC 29720

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 5, 2049

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Dec 1, 2026
Change Frequency	Annually
Min Rate At Change	2%
Max Rate At Change	6%
Index	Other
Max Rate	10%

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	702 SADDLEBROOK DR, MONROE, NC 28112-9455
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7031179
Date	Oct 10, 2017
Book Page	7031/179
Instrument	0029764

Lender

Name	FOUNDERS FCU
Type	Credit Union
Address	LANCASTER, SC 29720

Agreement

Type	ARM
Amount	Amount Recorded
Term	372 Months
Due	Oct 5, 2048

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Type Change Date	Oct 5, 2033
Min Rate At Change	3%
Max Rate At Change	12.5%
Index	Other
Margin	4
Max Rate	12.5%

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Jul 21, 2017
Property Address	702 SADDLEBROOK DR, MONROE, NC 28112-9455
Document Number	6977674
Book / Page	006977 / 000674
Instrument Date	Jul 6, 2017
Instrument	20820
Transaction Type	Transfer
Record Updated	Oct 31, 2017
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$36.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5302 TUCKER PHILLIPS DR WINGATE NC 281747200, WINGATE, NC 28174-7200

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
2025	$2,718.00 (-0.77%)	$568,500 (+29.26%) Land $70,100 Building $498,400	$568,500 (+29.26%) Land $70,100 Building $498,400
2023	$2,739.00	$439,800 Land $27,900 Building $411,900	$439,800 Land $27,900 Building $411,900

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 · 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.

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	0.03% 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 51 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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