Union County property record for 102 Locust Run Pl, Monroe, NC 28110
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2 ba · 1,867 sqft · built 2007 |
| Lot Size | 0.188 acres (8,189 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $239,000 (May 2018) |
| Tax Bill | $2,446 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage Nov 2019 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-397-122 |
| Primary APN | 09-397-122 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,867 sqft Living Area |
| 1st Floor Area | 1,867 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 8,189 sqft (0.188 acres) |
| Garage Type | Attached |
| Garage Area | 430 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 24 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 102 LOCUST RUN PL |
|---|---|
| City | MONROE |
| State | NC |
| Zip | 28110-8148 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | SF-5 INDIA |
| Legal Description | #9 PONDSIDE PH1 MAP3 OPCJ210-212/OPCJ655 |
| Legal Subdivision | PONDSIDE AKA VILLAS SUN VALLEY |
| Jurisdiction | UNION NC |
| Township / Civil Division | MONROE |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 20307 |
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 | 102 LOCUST RUN PL, MONROE, NC 28110-8148 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 25, 2021 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Nov 5, 2019 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Feb 22, 2019 | Deed of Trust, Mortgage · VA Mortgage UNIVERSAL MORTGAGE & FINANCE INC |
| Aug 11, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| May 7, 2018 | Warranty Deed, Transfer · VA Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 7, 2018 · Amount on Record |
| Deed Sale | May 7, 2018 · Amount on Record |
| Prior Sale | Apr 18, 2007 · Amount on Record |
| Deed Document Number | 201812147 |
| Deed Book / Page | 7151 / 647 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 102 LOCUST RUN PL, MONROE, NC 28110-8148 |
| Transaction Type | Mortgage |
| Record Updated | Nov 8, 2021 |
| Title Company | INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSINGS SVCS LLC |
| Name | Verified Name |
|---|
| Document Number | 8291124 |
|---|---|
| Date | Oct 25, 2021 |
| Book Page | 8291/124 |
| Instrument | 50899 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 102 LOCUST RUN PL, MONROE, NC 28110-8148 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 7508613 |
|---|---|
| Date | Nov 5, 2019 |
| Book Page | 7508/613 |
| Instrument | 0034302 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Dec 1, 2039 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 102 LOCUST RUN PL, MONROE, NC 28110-8148 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 7317344 |
|---|---|
| Date | Feb 22, 2019 |
| Book Page | 7317/344 |
| Instrument | 0004404 |
| Name | UNIVERSAL MORTGAGE & FINANCE INC |
|---|---|
| Type | Mortgage Company |
| Address | EDGEWATER, MD 21037 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Mar 1, 2039 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 102 LOCUST RUN PL, MONROE, NC 28110-8148 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 7767635 |
|---|---|
| Date | Aug 11, 2020 |
| Book Page | 7767/635 |
| Instrument | 30528 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 233 Months |
| Due | Jan 1, 2040 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | May 7, 2018 |
| Property Address | 102 LOCUST RUN PL, MONROE, NC 28110-8148 |
| Document Number | 7151647 |
| Book / Page | 007151 / 000647 |
| Instrument Date | May 7, 2018 |
| Instrument | 12147 |
| Transaction Type | Transfer |
| Record Updated | May 29, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $478.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 102 LOCUST RUN PL MONROE NC 281108148, MONROE, NC 28110-8148 |
| Document Number | 7151649 |
|---|---|
| Date | May 7, 2018 |
| Book Page | 007151/000649 |
| Instrument | 12148 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 6, 2048 |
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 | $410,000 (-) Land $84,100 Building $325,900 | $410,000 (-) Land $84,100 Building $325,900 | |
| 2025 | $2,446.00 (+29.21%) | $410,000 (+52.99%) Land $84,100 Building $325,900 | $410,000 (+52.99%) Land $84,100 Building $325,900 |
| 2023 | $1,893.00 | $268,000 Land $53,000 Building $215,000 | $268,000 Land $53,000 Building $215,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 2 in force |
| Nearby Flood Claims | 3 (2016–2017) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Apr 2017 |
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.
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 | 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.
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 259 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 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures