1026 Willoughby Rd, Monroe, NC 28110 Property Records

Union County property record for 1026 Willoughby Rd, Monroe, NC 28110

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,560 sqft · built 1978
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on Record
Last Sale	$200,000 (Nov 2019)
Tax Bill	$2,003 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit Nov 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-006-011A`

Property Details

APN / Parcel Number

Primary APN	`06-006-011A`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,560 sqft Living Area
1st Floor Area	1,560 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Garage Type	Detached
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	252 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1026 WILLOUGHBY RD
City	MONROE
State	NC
Zip	28110-9659
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-40 UNION
Legal Description	WINCHESTER
Legal Subdivision	PEARL WINCHESTER
Jurisdiction	UNION NC
Township / Civil Division	SANDY RIDGE
Census Block Group	2
Census Block	2007
Census Tract	20308

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	1026 WILLOUGHBY RD, MONROE, NC 28110-9659
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 21, 2023	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Nov 25, 2019	Warranty Deed, Transfer · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 25, 2019 · Amount on Record
Deed Sale	Nov 25, 2019 · Amount on Record
Deed Document Number	201936847
Deed Book / Page	7525 / 340
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1026 WILLOUGHBY RD, MONROE, NC 28110-9659
Transaction Type	Mortgage
Record Updated	Jul 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008730290
Date	Jun 21, 2023
Book Page	8730/290
Instrument	14727

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Nov 25, 2019
Property Address	1026 WILLOUGHBY RD, MONROE, NC 28110-9659
Document Number	0007525340
Book / Page	7525 / 340
Instrument Date	Nov 25, 2019
Instrument	0036847
Transaction Type	Transfer
Record Updated	Dec 14, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$400.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1919, MYRTLE BEACH, SC 29578-1919

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1026 WILLOUGHBY RD, MONROE, NC 28110-9659

Mortgage

Document Number	0000036848
Date	Nov 25, 2019
Instrument	0036848

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 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		$431,200 (-) Land $231,000 Building $200,200	$431,200 (-) Land $231,000 Building $200,200
2025	$2,003.00 (+39.87%)	$431,200 (+88.3%) Land $231,000 Building $200,200	$431,200 (+88.3%) Land $231,000 Building $200,200
2023	$1,432.00	$229,000 Land $55,000 Building $174,000	$229,000 Land $55,000 Building $174,000

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
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 105 locations within half a mile, as of December 31, 2025

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

May also be available: Comporium, Ripple Fiber.

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