Union County property record for 1104 Emily Ln, Monroe, NC 28110
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,578 sqft · built 1995 |
| Lot Size | 2.99 acres (130,636 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,981 (2025) |
| Deeds & Mortgages | Jun 2023 Line of Credit Jan 2019 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-213-019B |
| Primary APN | 09-213-019B |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,578 sqft Living Area |
| Gross Area | 2,490 sqft |
| 1st Floor Area | 1,578 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 130,636 sqft (2.99 acres) |
| Garage Type | Detached |
| Garage Area | 912 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
| Porch Area | 254 sqft |
| Deck Area | Deck Area |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1104 EMILY LN |
|---|---|
| City | MONROE |
| State | NC |
| Zip | 28110-9713 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-20 MONRO |
| Legal Description | 1104 EMILY LN |
| Legal Subdivision | DUNCAN |
| Jurisdiction | UNION NC |
| Township / Civil Division | MONROE |
| Census Block Group | 1 |
| Census Block | 1088 |
| Census Tract | 20401 |
1104 Emily Ln, a single family home, is owned by two individuals.
Source: Union County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 336, MONROE, NC 28111-0336 |
| 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 |
|---|---|
| Jun 21, 2023 | Deed of Trust, Mortgage · Line of Credit LOCAL GOVERNMENT FCU |
| Jan 15, 2019 | Deed of Trust, Mortgage · Line of Credit LOCAL GOVERNMENT FCU |
| Dec 10, 2019 | Deed of Trust, Mortgage · Conventional Mortgage WATERMARK CAP |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 1104 EMILY LN, MONROE, NC 28110-9713 |
| Transaction Type | Mortgage |
| Record Updated | Jul 7, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0008730300 |
|---|---|
| Date | Jun 21, 2023 |
| Book Page | 8730/300 |
| Instrument | 14730 |
| Name | LOCAL GOVERNMENT FCU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 1104 EMILY LN, MONROE, NC 28110-9713 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|
| Document Number | 7298260 |
|---|---|
| Date | Jan 15, 2019 |
| Book Page | 7298/260 |
| Instrument | 0000993 |
| Name | LOCAL GOVERNMENT FCU |
|---|---|
| Type | Credit Union |
| Address | MONROE, NC 28111 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 1104 EMILY LN, MONROE, NC 28110-9713 |
| Document Number | 754513 |
| Instrument Date | Dec 10, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SYNRGO INC BREA |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1104 EMILY LN MONROE NC 281109713, MONROE, NC 28110-9713 |
| Document Number | 754513 |
|---|---|
| Date | Dec 19, 2019 |
| Book Page | 007545/000013 |
| Instrument | 39810 |
| Name | WATERMARK CAP |
|---|---|
| Type | Mortgage Company |
| Address | LAKEWOOD, NJ 08701 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 18, 2049 |
The 2025 property tax bill for 1104 Emily Ln was $3,981.
Source: Union County assessment roll, as of March 31, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Union County |
| Municipality | Monroe City |
| Unified School District | Union County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $455,400 (-) Land $137,500 Building $317,900 | $455,400 (-) Land $137,500 Building $317,900 | |
| 2025 | $3,981.00 | $455,400 Land $137,500 Building $317,900 | $455,400 Land $137,500 Building $317,900 |
| 2023 | $3,259.00 | $298,900 Land $78,000 Building $220,900 | $298,900 Land $78,000 Building $220,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1104 Emily 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 | 2 in force |
| Nearby Flood Claims | 1 (2020) |
| Most Recent Claim | Feb 2020 · other causes |
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 1104 Emily 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 | 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 102 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 |
| AT&T Fixed Wireless | 100 / 20 |
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