1901 Waverly Dr, Monroe, NC 28112 Property Records

Union County property record for 1901 Waverly Dr, Monroe, NC 28112

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,128 sqft · built 1978
Lot Size	0.68 acres (29,621 sqft)
Owner	Individual Name on Record
Last Sale	$219,000 (Dec 2024)
Tax Bill	$2,059 (2025)
Deeds & Mortgages	Jan 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-286-122`

Property Details

APN / Parcel Number

Primary APN	`09-286-122`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,128 sqft Living Area
Gross Area	2,132 sqft
1st Floor Area	1,128 sqft
Basement Area	572 sqft
Unfinished Basement	572 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Split Level
Exterior Material	Wood Siding
Construction Type	Wood
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	29,621 sqft (0.68 acres)
Garage Type	Attached
Garage Area	432 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	72 sqft
Deck Area	Deck Area
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1901 WAVERLY DR
City	MONROE
State	NC
Zip	28112-2417
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R-20 MONRO
Legal Description	#41 TIMBERLAKE PB04 PG133
Legal Subdivision	TIMBERLAKE
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	2
Census Block	2020
Census Tract	20502

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	Individual Name on Record
Mailing Address	13534 PLAZA ROAD EXT, 109, CHARLOTTE, NC 28215-8921
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 23, 2024 · Amount on Record
Deed Sale	Dec 23, 2024 · Amount on Record
Prior Sale	Dec 23, 2024 · Amount on Record
Deed Document Number	202430816
Deed Book / Page	9036 / 139
Record Updated	Oct 29, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Jan 16, 2026
Property Address	1901 WAVERLY DR, MONROE, NC 28112-2417
Document Number	0009287225
Book / Page	9287 / 225
Map Reference	MB 4 PG 133
Instrument Date	Jan 12, 2026
Instrument	1230
Transaction Type	Transfer
Record Updated	Jan 30, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13534 PLAZA ROAD EXTENSION # EXT109, EXT109, CHARLOTTE, NC 28215-8921

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13534 PLAZA ROAD EXT # 109, 109, CHARLOTTE, NC 28215-8921

Mortgage

Document Number	0000001231
Date	Jan 16, 2026
Instrument	1231

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	Feb 1, 2031
Change Frequency	5 Years
Min Rate At Change	3%
Max Rate At Change	7%
Index	5-Year TN
Max Rate	11%

Tax Assessment & Valuation

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		$235,600 (-) Land $72,000 Building $163,600	$235,600 (-) Land $72,000 Building $163,600
2025	$2,059.00 (+15.93%)	$235,600 (+44.63%) Land $72,000 Building $163,600	$235,600 (+44.63%) Land $72,000 Building $163,600
2023	$1,776.00	$162,900 Land $39,400 Building $123,500	$162,900 Land $39,400 Building $123,500

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

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20