1240 Harkey Creek Dr, Monroe, NC 28110 Property Records

Union County property record for 1240 Harkey Creek Dr, Monroe, NC 28110

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,591 sqft · built 2019
Lot Size	0.143 acres (6,229 sqft)
Owner	2 Individual Names on Record
Last Sale	$262,000 (Sep 2019)
Tax Bill	$1,852 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Jul 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-366-092`

Property Details

APN / Parcel Number

Primary APN	`09-366-092`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,591 sqft Total Area
1st Floor Area	1,591 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Lot Area	6,229 sqft (0.143 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1240 HARKEY CREEK DR
City	MONROE
State	NC
Zip	28110-0035
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	#9 HARKEY CREEK PH1 MP2 OPCO650-653
Legal Subdivision	HARKEY CREEK
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	1
Census Block	1045
Census Tract	20307

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	2 Individual Names on Record
Mailing Address	1240 HARKEY CREEK DR, MONROE, NC 28110-0035
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 5, 2021	Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB
Jul 28, 2022	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 3, 2019 · Amount on Record
Deed Sale	Sep 3, 2019 · Amount on Record
Deed Document Number	201926227
Deed Book / Page	7455 / 188
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1240 HARKEY CREEK DR, MONROE, NC 28110-0035
Transaction Type	Mortgage
Record Updated	Mar 31, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1240 HARKEY CREEK DR, MONROE, NC 28110-0035

Mortgage

Document Number	0008304534
Date	Nov 5, 2021
Book Page	8304/534
Instrument	52880

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	JACKSONVILLE, FL 32202

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	334 Months
Due	Sep 1, 2049

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1240 HARKEY CREEK DR, MONROE, NC 28110-0035
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008536296
Date	Jul 28, 2022
Book Page	8536/296
Instrument	26872

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.95%
Type Change Date	Aug 1, 2027
Change Frequency	5 Years
Min Rate At Change	3.25%
Max Rate At Change	9.95%
Index	5-Year CMT
Margin	2
Max Rate	9.25%

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		$382,900 (-) Land $85,900 Building $297,000	$382,900 (-) Land $85,900 Building $297,000
2025	$1,852.00 (+10.77%)	$382,900 (+46.59%) Land $85,900 Building $297,000	$382,900 (+46.59%) Land $85,900 Building $297,000
2023	$1,672.00	$261,200 Land $66,000 Building $195,200	$261,200 Land $66,000 Building $195,200

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	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	0.01% 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 287 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Ripple Fiber.

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