Union County property record for 1003 Lacharette Ln, Monroe, NC 28110
| Property Type | Rural Home |
|---|---|
| Details | 2 ba · 1,206 sqft · built 2001 |
| Lot Size | 0.192 acres (8,364 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $118,000 (Jan 2002) |
| Tax Bill | $2,107 (2025) |
| Deeds & Mortgages | Jul 2021 Mortgage Sep 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-396-592 |
| Primary APN | 09-396-592 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,206 sqft Living Area |
| Gross Area | 1,446 sqft |
| 1st Floor Area | 1,206 sqft |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 8,364 sqft (0.192 acres) |
| Garage Type | Attached |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 170 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1003 LACHARETTE LN |
|---|---|
| City | MONROE |
| State | NC |
| Zip | 28110-8541 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | SF-1 INDIA |
| Legal Description | #265 MERIWETHER MP 3 1003 LA CHARETTE LN |
| Legal Subdivision | MERIWETHER |
| Legal Lot Number | 265 |
| Jurisdiction | UNION NC |
| Township / Civil Division | VANCE |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 20307 |
1003 Lacharette Ln, a rural home, is owned and occupied by two individuals who bought it in January 2002.
Source: Union County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1003 LACHARETTE LN, MONROE, NC 28110-8541 |
| 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.
| Date | Document |
|---|---|
| Jul 7, 2021 | Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE |
| Sep 5, 2019 | Deed of Trust, Mortgage · VA Mortgage PHLOANS.COM INC |
| Jan 8, 2018 | Deed of Trust, Mortgage · VA Mortgage MR COOPER |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 9, 2002 · Amount on File |
| Deed Sale | Jan 9, 2002 · Amount on File |
| Deed Document Number | 20021014 |
| Deed Book / Page | 1732 / 845 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 1003 LACHARETTE LN, MONROE, NC 28110-8541 |
| Transaction Type | Mortgage |
| Record Updated | Jul 19, 2021 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 8161873 |
|---|---|
| Date | Jul 7, 2021 |
| Book Page | 8161/873 |
| Instrument | 31945 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 357 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 1003 LACHARETTE LN, MONROE, NC 28110-8541 |
| Document Number | 7463326 |
| Instrument Date | Sep 5, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 3, 2019 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 1003 LACHARETTE LN MONROE NC 281108541, MONROE, NC 28110-8541 |
| Document Number | 7463326 |
|---|---|
| Date | Sep 13, 2019 |
| Book Page | 007463/000326 |
| Instrument | 27543 |
| Name | PHLOANS.COM INC |
|---|---|
| Address | IRVINE, CA 92612 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 12, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 1003 LACHARETTE LN, MONROE, NC 28110-8541 |
| Document Number | 7085445 |
| Book / Page | 007085 / 000445 |
| Instrument Date | Jan 8, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 23, 2018 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 1003 LACHARETTE LN MONROE NC 281108541, MONROE, NC 28110-8541 |
| Document Number | 7085445 |
|---|---|
| Date | Jan 11, 2018 |
| Book Page | 007085/000445 |
| Instrument | 788 |
| Name | MR COOPER |
|---|---|
| Address | DALLAS, TX 75019 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 10, 2048 |
The 2025 property tax bill for 1003 Lacharette Ln was $2,107.
Source: Union County assessment roll, as of March 31, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Union County |
| Municipality | Indian Trail Town |
| Unified School District | Union County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $313,200 (-) Land $66,500 Building $246,700 | $313,200 (-) Land $66,500 Building $246,700 | |
| 2025 | $2,107.00 | $313,200 Land $66,500 Building $246,700 | $313,200 Land $66,500 Building $246,700 |
| 2023 | $1,716.00 | $201,600 Land $38,100 Building $163,500 | $201,600 Land $38,100 Building $163,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1003 Lacharette Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 | 4 in force |
| Nearby Flood Claims | 7 (1998–2023) |
| Claims Outside the SFHA | 6 of 7 |
| Most Recent Claim | Sep 2023 · river or lake flooding |
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 1003 Lacharette Ln is low, with a 0.01% 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 | 0.01% 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 273 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Ripple Fiber Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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