705 Winding Brook Rd, Monroe, NC 28112 Property Records

Union County property record for 705 Winding Brook Rd, Monroe, NC 28112

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,996 sqft · built 1983
Lot Size	1.03 acres (44,867 sqft)
Owner	2 Individual Names on Record
Last Sale	$320,000 (May 2021)
Tax Bill	$1,963 (2025)
Deeds & Mortgages	May 2021 Sale & Mortgage Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-247-045`

Property Details

APN / Parcel Number

Primary APN	`09-247-045`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,996 sqft Living Area
Gross Area	2,436 sqft
1st Floor Area	1,996 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	44,867 sqft (1.03 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	705 WINDING BROOK RD
City	MONROE
State	NC
Zip	28112-8885
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-20 MONRO
Legal Description	#17 TWIN BROOK OPCB116A
Legal Subdivision	TWIN BROOK
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	2
Census Block	2030
Census Tract	20502

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	705 WINDING BROOK RD, MONROE, NC 28112-8885
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 7, 2021	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA
Aug 21, 2019	Warranty Deed, Transfer · Conventional with PMI FAIRWAY INDEPENDENT MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 7, 2021 · Amount on Record
Deed Sale	May 7, 2021 · Amount on Record
Prior Sale	Aug 21, 2019 · Amount on Record
Deed Document Number	2021812
Deed Book / Page	8093 / 470
Prior Transfer Date	Apr 17, 2019
Prior Transfer Doc	0007365318
Record Updated	Oct 29, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	May 7, 2021
Property Address	705 WINDING BROOK RD, MONROE, NC 28112-8885
Document Number	0008093470
Book / Page	8093 / 470
Map Reference	CAB B FILE 116A
Instrument Date	May 6, 2021
Instrument	21812
Transaction Type	Transfer
Record Updated	Dec 14, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$640.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	316 SEVEN OAKS DR, 316, MONROE, NC 28110-8915

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	705 WINDING BROOK RD, MONROE, NC 28112-8885
Investor	Possibly a Property Investor

Mortgage

Document Number	0000021813
Date	May 7, 2021
Instrument	21813

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

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

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Aug 21, 2019
Property Address	705 WINDING BROOK RD, MONROE, NC 28112-8885
Document Number	74453
Book / Page	007445 / 000003
Instrument Date	Aug 19, 2019
Instrument	24747
Transaction Type	Transfer
Record Updated	Sep 13, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$524.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	705 WINDING BROOK RD MONROE NC 281128885, MONROE, NC 28112-8885

Mortgage

Document Number	74455
Date	Aug 21, 2019
Book Page	007445/000005
Instrument	24748

Lender

Name	FAIRWAY INDEPENDENT MTG
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 20, 2049

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		$392,000 (-) Land $88,800 Building $303,200	$392,000 (-) Land $88,800 Building $303,200
2025	$1,963.00 (+27.06%)	$392,000 (+54.21%) Land $88,800 Building $303,200	$392,000 (+54.21%) Land $88,800 Building $303,200
2023	$1,545.00	$254,200 (-) Land $49,200 Building $205,000	$254,200 (-) Land $49,200 Building $205,000
2022	$1,545.00	$254,200 Land $49,200 Building $205,000	$254,200 Land $49,200 Building $205,000

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 40 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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