104 Florence Dr, Monroe, NC 28110 Property Records

Union County property record for 104 Florence Dr, Monroe, NC 28110

Property Summary

Property Type	Rural Home
Details	2 bd · 2 ba · 984 sqft · built 1970
Lot Size	0.559 acres (24,350 sqft)
Owner	2 Individual Names on Record
Last Sale	$390,000 (Dec 2025)
Tax Bill	$2,146 (2025)
Deeds & Mortgages	Dec 2025 Sale & Mortgage Mar 2024 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`09-084-018`

Property Details

APN / Parcel Number

Primary APN	`09-084-018`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	2 Rooms
Stories	1 Story
Building Area	984 sqft Living Area
Gross Area	1,584 sqft
1st Floor Area	984 sqft
Basement Area	600 sqft
Finished Basement	600 sqft
Unfinished Basement	600 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Conventional
Exterior Material	Combination
Construction Type	Wood
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	24,350 sqft (0.559 acres)
Garage Type	Carport
Garage Area	216 sqft
Carport	Carport
Carport Area	216 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	432 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	104 FLORENCE DR
City	MONROE
State	NC
Zip	28110-8158
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R-20 MONRO
Legal Description	#8 URBAN HILLS PB06 PG26
Legal Subdivision	URBAN HILLS
Legal Lot Number	8
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	2
Census Block	2002
Census Tract	20601

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	104 FLORENCE DR, MONROE, NC 28110-8158
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 5, 2025	Warranty Deed, Transfer · FHA Mortgage PLAINS COMMERCE BANK
Mar 18, 2024	Warranty Deed, Construction Loan · Construction Mortgage SILVER HILL FINANCIAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 5, 2025 · Amount on Record
Deed Sale	Dec 5, 2025 · Amount on Record
Prior Sale	Mar 18, 2024 · Amount on Record
Deed Document Number	202532223
Deed Book / Page	9260 / 179
Record Updated	Jun 8, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Dec 5, 2025
Property Address	104 FLORENCE DR, MONROE, NC 28110-8158
Document Number	0009260179
Book / Page	9260 / 179
Map Reference	MB 6 PG 26
Instrument Date	Dec 4, 2025
Instrument	32223
Transaction Type	Transfer
Record Updated	Dec 25, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$780.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2313 RAINBROOK DR, MONROE, NC 28112-8045

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	104 FLORENCE DR, MONROE, NC 28110-8158

Mortgage

Document Number	0000032224
Date	Dec 5, 2025
Instrument	32224

Lender

Name	PLAINS COMMERCE BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

March 2024: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Mar 18, 2024
Property Address	104 FLORENCE DR, MONROE, NC 28110-8158
Document Number	0008870393
Book / Page	8870 / 393
Map Reference	MB 6 PG 26
Instrument Date	Mar 18, 2024
Instrument	5854
Transaction Type	Construction Loan
Record Updated	Apr 3, 2024
Title Company	CASTLE TITLE AGENCY LLC, MASTER TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$418.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9923 COLEY DR, HUNTERSVILLE, NC 28078-0622

Mortgage

Document Number	0000005855
Date	Mar 18, 2024
Instrument	5855

Lender

Name	SILVER HILL FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	7 Months
Due	Oct 1, 2024

Tax Assessment & Valuation

Source: Union County assessment roll, as of March 31, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Union County
Municipality	Monroe City
Unified School District	Union County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,146.00 (+66.74%)	$245,500 (+107.87%) Land $28,200 Building $217,300	$245,500 (+107.87%) Land $28,200 Building $217,300
2023	$1,287.00	$118,100 Land $13,900 Building $104,200	$118,100 Land $13,900 Building $104,200

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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	0.02% annual chance
Exposure	None beyond ember reach

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	CITY OF MONROE serves 43,081 people · EPA ID NC0190010
Water Source	Surface water
Last State Inspection	Nov 2025
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Aug 2025
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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 41 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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