1108 Coy Way, Monroe, NC 28110 Property Records

Union County property record for 1108 Coy Way, Monroe, NC 28110

Property Summary

Property Type	Rural Home
Details	2 ba · 1,929 sqft · built 1999
Lot Size	0.276 acres (12,023 sqft)
Owner	Individual Name on File
Last Sale	$130,500 (Sep 2003)
Tax Bill	$3,178 (2025)
Deeds & Mortgages	Nov 2017 Line of Credit Jun 2020 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`09-345-191`

Property Details

APN / Parcel Number

Primary APN	`09-345-191`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,929 sqft Living Area
Gross Area	2,011 sqft
1st Floor Area	1,929 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,023 sqft (0.276 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	30 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1108 COY WAY
City	MONROE
State	NC
Zip	28110-5218
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R-15SU MON
Legal Description	#10 LONG BROOKE OPCF448
Legal Subdivision	LONG BROOKE
Legal Lot Number	10
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	2
Census Block	2006
Census Tract	20403

Owner

1108 Coy Way, a rural home, is owned and occupied by an individual who acquired it in September 2016.

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

Owner of Record	Individual Name on File
Mailing Address	1108 COY WAY, MONROE, NC 28110-5218
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 30, 2017	Deed of Trust, Mortgage · Line of Credit SUNTRUST BANK
Jun 16, 2020	Loan Modification, Mortgage · Conventional Mortgage TRUIST BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 3, 2003 · Amount on File
Deed Sale	Sep 3, 2003 · Amount on File
Prior Sale	Oct 22, 1999 · Amount on File
Deed Document Number	200341952
Deed Book / Page	3203 / 313
Last Transfer Date	Sep 28, 2016
Transfer Doc	6781552
Record Updated	Oct 29, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1108 COY WAY, MONROE, NC 28110-5218
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7061808
Date	Nov 30, 2017
Book Page	7061/808
Instrument	0034977

Lender

Name	SUNTRUST BANK
Type	Bank
Address	DURHAM, NC 27701

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 17, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	UNION NC
Property Address	1108 COY WAY, MONROE, NC 28110-5218
Document Number	7716193
Instrument Date	Jun 16, 2020
Transaction Type	Mortgage
Record Updated	Aug 17, 2020
Title Company	TITLE365 - OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1108 COY WAY MONROE NC 281105218, MONROE, NC 28110-5218

Mortgage

Document Number	7716193
Date	Jun 26, 2020
Book Page	007716/000193
Instrument	23312

Lender

Name	TRUIST BK
Address	DURHAM, NC 27701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 1108 Coy Way was $3,178.

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
2026		$363,600 (-) Land $69,600 Building $294,000	$363,600 (-) Land $69,600 Building $294,000
2025	$3,178.00	$363,600 Land $69,600 Building $294,000	$363,600 Land $69,600 Building $294,000
2023	$2,777.00	$254,700 Land $39,200 Building $215,500	$254,700 Land $39,200 Building $215,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1108 Coy Way 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	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

Wildfire risk around 1108 Coy Way 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	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	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 89 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Coy Way

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