1305 Dickens Ln, Monroe, NC 28110 Property Records

Union County property record for 1305 Dickens Ln, Monroe, NC 28110

Property Summary

Property Type	Rural Home
Details	4 bd · 3.5 ba · 3,533 sqft · built 2010
Lot Size	0.409 acres (17,816 sqft)
Owner	2 Individual Names on File
Last Sale	$365,000 (Mar 2010)
Tax Bill	$3,680 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Feb 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-009-100`

Property Details

APN / Parcel Number

Primary APN	`06-009-100`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	3,533 sqft Living Area
1st Floor Area	1,717 sqft
Basement Area	1,711 sqft
Unfinished Basement	1,711 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Architectural Style	Conventional
Construction Type	Wood
Roof Type	Gable
Lot Area	17,816 sqft (0.409 acres)
Garage Type	Attached
Garage Area	609 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	136 sqft
Patio Area	190 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1305 DICKENS LN
City	MONROE
State	NC
Zip	28110-9050
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	RUC WESLEY
Legal Description	#20 WINDING CREEK PH2 MP2 OPCK623
Legal Subdivision	WINDING CREEK
Jurisdiction	UNION NC
Township / Civil Division	SANDY RIDGE
Census Block Group	2
Census Block	2031
Census Tract	20308

Owner

1305 Dickens Ln, a rural home, is owned and occupied by two individuals who bought it in March 2010.

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 File
Mailing Address	1305 DICKENS LN, MONROE, NC 28110-9050
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2022	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Feb 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage NFM INC
Apr 7, 2017	Deed of Trust, Mortgage · Conventional Mortgage US SENATE FCU
Apr 7, 2017	Deed of Trust, Mortgage · Conventional Mortgage US SENATE FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 29, 2010 · Amount on File
Deed Sale	Mar 29, 2010 · Amount on File
Deed Document Number	20107000
Deed Book / Page	5304 / 700
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1305 DICKENS LN, MONROE, NC 28110-9050
Transaction Type	Mortgage
Record Updated	Aug 26, 2022
Title Company	STEWART TTL GUARANTY NON CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1305 DICKENS LN, MONROE, NC 28110-9050

Mortgage

Document Number	0000085484
Date	Aug 12, 2022
Book Page	8548/4
Instrument	28723

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1305 DICKENS LN, MONROE, NC 28110-9050
Transaction Type	Mortgage
Record Updated	Feb 16, 2022
Title Company	SOURCEPOINT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008392834
Date	Feb 7, 2022
Book Page	8392/834
Instrument	4696

Lender

Name	NFM INC
Type	Mortgage Company
Address	LINTHICUM HEIGHTS, MD 21090

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1305 DICKENS LN, MONROE, NC 28110-9050
Document Number	691160
Instrument Date	Apr 7, 2017
Transaction Type	Mortgage
Record Updated	May 30, 2017
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1305 DICKENS LN MONROE NC 281109050, MONROE, NC 28110-9050

Mortgage

Document Number	691160
Date	Apr 12, 2017
Book Page	006911/000060
Instrument	9963

Lender

Name	US SENATE FCU
Type	Credit Union
Address	WASHINGTON, DC 20013-8920

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 11, 2032

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1305 DICKENS LN, MONROE, NC 28110-9050
Document Number	691168
Instrument Date	Apr 7, 2017
Transaction Type	Mortgage
Record Updated	Jan 9, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1305 DICKENS LN MONROE NC 281109050, MONROE, NC 28110-9050

Mortgage

Document Number	691168
Date	Apr 12, 2017
Book Page	006911/000068
Instrument	9964

Lender

Name	US SENATE FCU
Type	Credit Union
Address	WASHINGTON, DC 20013-8920

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Apr 11, 2027

Tax Assessment & Valuation

The 2025 property tax bill for 1305 Dickens Ln was $3,680.

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

Property Jurisdictions

Type	Name
State	North Carolina
County	Union County
Municipality	Wesley Chapel Village
Unified School District	Union County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$730,200 (-) Land $137,200 Building $593,000	$730,200 (-) Land $137,200 Building $593,000
2025	$3,680.00	$730,200 Land $137,200 Building $593,000	$730,200 Land $137,200 Building $593,000
2023	$3,119.00	$481,900 Land $83,000 Building $398,900	$481,900 Land $83,000 Building $398,900

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

Flood

FEMA maps place 1305 Dickens Ln in Zone X, an area of minimal flood risk.

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

Wildfire risk around 1305 Dickens 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	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 49 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 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Comporium.

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