109 Willoughby Rd, Monroe, NC 28110 Property Records

Union County property record for 109 Willoughby Rd, Monroe, NC 28110

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,318 sqft · built 1994
Lot Size	0.482 acres (20,996 sqft)
Owner	2 Individual Names on Record
Last Sale	$110,000 (Feb 2000)
Tax Bill	$1,787 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Dec 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-405-093`

Property Details

APN / Parcel Number

Primary APN	`09-405-093`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,318 sqft Living Area
Gross Area	1,598 sqft
1st Floor Area	1,318 sqft

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	20,996 sqft (0.482 acres)
Garage Type	Attached
Garage Area	280 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	80 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	109 WILLOUGHBY RD
City	MONROE
State	NC
Zip	28110-9604
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R-20 UNION
Legal Description	#1 OWL'S NEST 109 WILLOUGHBY RD
Legal Subdivision	OWLS NEST
Legal Lot Number	1
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	2
Census Block	2026
Census Tract	20308

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	109 WILLOUGHBY RD, MONROE, NC 28110-9604
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2022	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Dec 12, 2017	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
Feb 17, 2017	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 21, 2000 · Amount on Record
Deed Sale	Feb 21, 2000 · Amount on Record
Deed Document Number	20004448
Deed Book / Page	1357 / 884
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	109 WILLOUGHBY RD, MONROE, NC 28110-9604
Transaction Type	Mortgage
Record Updated	Apr 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008446590
Date	Apr 6, 2022
Book Page	8446/590
Instrument	12843

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2052

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	109 WILLOUGHBY RD, MONROE, NC 28110-9604
Document Number	7072739
Book / Page	007072 / 000739
Instrument Date	Dec 12, 2017
Transaction Type	Mortgage
Record Updated	Jan 5, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	109 WILLOUGHBY RD MONROE NC 281109604, MONROE, NC 28110-9604

Mortgage

Document Number	7072739
Date	Dec 18, 2017
Book Page	007072/000739
Instrument	36784

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 17, 2047

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	109 WILLOUGHBY RD, MONROE, NC 28110-9604
Document Number	6880237
Book / Page	006880 / 000237
Instrument Date	Feb 17, 2017
Transaction Type	Mortgage
Record Updated	May 9, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	109 WILLOUGHBY RD MONROE NC 281109604, MONROE, NC 28110-9604

Mortgage

Document Number	6880237
Date	Feb 21, 2017
Book Page	006880/000237
Instrument	4811

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 20, 2047

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		$371,100 (-) Land $72,800 Building $298,300	$371,100 (-) Land $72,800 Building $298,300
2025	$1,787.00 (+29.12%)	$371,100 (+7%) Land $72,800 Building $298,300	$371,100 (+7%) Land $72,800 Building $298,300
2023	$1,384.00	$218,300 Land $39,900 Building $178,400	$218,300 Land $39,900 Building $178,400

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Ripple Fiber.

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