Union County property record for 1904 Waverly Dr, Monroe, NC 28112
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,644 sqft · built 1983 |
| Lot Size | 0.49 acres (21,344 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $120,000 (Aug 2013) |
| Tax Bill | $2,307 (2025) |
| Deeds & Mortgages | Sep 2025 Line of Credit Nov 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-286-081B |
| Primary APN | 09-286-081B |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,644 sqft Living Area |
| 1st Floor Area | 1,100 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1983 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 21,344 sqft (0.49 acres) |
| Deck Area | Deck Area |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1904 WAVERLY DR |
|---|---|
| City | MONROE |
| State | NC |
| Zip | 28112-2416 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | R-20 MONRO |
| Legal Description | #48 TIMBERLAKE |
| Legal Subdivision | TIMBERLAKE |
| Jurisdiction | UNION NC |
| Township / Civil Division | MONROE |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 20502 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1904 WAVERLY DR, MONROE, NC 28112-2416 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 4, 2025 | Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK |
| Nov 19, 2021 | Deed of Trust, Mortgage · Conventional Mortgage WOLFE FINANCIAL INC |
| Sep 12, 2018 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Sep 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 14, 2013 · Amount on Record |
| Deed Sale | Aug 14, 2013 · Amount on Record |
| Prior Sale | Apr 10, 2007 · Amount on Record |
| Deed Document Number | 201328335 |
| Deed Book / Page | 6075 / 519 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 1904 WAVERLY DR, MONROE, NC 28112-2416 |
| Transaction Type | Mortgage |
| Record Updated | Oct 8, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1904 WAVERLY DR, MONROE, NC 28112-2416 |
| Investor | Possibly a Property Investor |
| Document Number | 0009193551 |
|---|---|
| Date | Sep 4, 2025 |
| Book Page | 9193/551 |
| Instrument | 22916 |
| Name | COASTAL COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | CAMPBELL, CA 95008 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 1904 WAVERLY DR, MONROE, NC 28112-2416 |
| Transaction Type | Mortgage |
| Record Updated | Dec 2, 2021 |
| Name | Verified Name |
|---|
| Document Number | 8319363 |
|---|---|
| Date | Nov 19, 2021 |
| Book Page | 8319/363 |
| Instrument | 55053 |
| Name | WOLFE FINANCIAL INC |
|---|---|
| Type | Mortgage Company |
| Address | ASHEBORO, NC 27203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 1904 WAVERLY DR, MONROE, NC 28112-2416 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | ACCURATE TITLE GROUP LLC |
| Name | Verified Name |
|---|
| Document Number | 7233322 |
|---|---|
| Date | Sep 12, 2018 |
| Book Page | 7233/322 |
| Instrument | 0025889 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Oct 1, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 1904 WAVERLY DR, MONROE, NC 28112-2416 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 7815153 |
|---|---|
| Date | Sep 21, 2020 |
| Book Page | 7815/153 |
| Instrument | 37293 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Oct 1, 2040 |
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 | $264,000 (-) Land $70,000 Building $194,000 | $264,000 (-) Land $70,000 Building $194,000 | |
| 2025 | $2,307.00 (+14.21%) | $264,000 (+42.47%) Land $70,000 Building $194,000 | $264,000 (+42.47%) Land $70,000 Building $194,000 |
| 2023 | $2,020.00 | $185,300 Land $38,000 Building $147,300 | $185,300 Land $38,000 Building $147,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 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 |
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