2005 Shady Ln, Monroe, NC 28110 Property Records

Union County property record for 2005 Shady Ln, Monroe, NC 28110

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,505 sqft · built 1970
Lot Size	0.482 acres (20,996 sqft)
Owner	Individual Name on File
Last Sale	$325,000 (Dec 2022)
Tax Bill	$2,928 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-339-106`

Property Details

APN / Parcel Number

Primary APN	`09-339-106`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,505 sqft Living Area
1st Floor Area	1,505 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	20,996 sqft (0.482 acres)
Garage Type	Carport
Garage Area	420 sqft
Carport	Carport
Carport Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	322 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	2005 SHADY LN
City	MONROE
State	NC
Zip	28110-7970
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R-20 MONRO
Legal Description	#74 HELMS PARK PB05 PG77; 8620-0169
Legal Subdivision	HELMS PARK
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	1
Census Block	1006
Census Tract	20405

Owner

2005 Shady Ln, a rural home, is owned and occupied by an individual who bought it in December 2022.

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

Owner of Record	Individual Name on File
Mailing Address	2005 SHADY LN, MONROE, NC 28110-7970
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 6, 2022 · Amount on File
Deed Sale	Dec 6, 2022 · Amount on File
Prior Sale	Sep 13, 1999 · Amount on File
Deed Document Number	202240007
Deed Book / Page	8620 / 169
Record Updated	Oct 29, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Dec 6, 2022
Property Address	2005 SHADY LN, MONROE, NC 28110-7970
Document Number	0008620169
Book / Page	8620 / 169
Map Reference	MB 5 PG 77
Instrument Date	Nov 18, 2022
Instrument	40007
Transaction Type	Transfer
Record Updated	Dec 16, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$650.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2005 SHADY LN, MONROE, NC 28110-7970

Mortgage

Document Number	0000040008
Date	Dec 6, 2022
Instrument	40008

Lender

Name	FOUNDERS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 5, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	Dec 5, 2029
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	7.75%
Index	10-Year TN
Max Rate	11.7%

Tax Assessment & Valuation

The 2025 property tax bill for 2005 Shady Ln was $2,928.

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		$335,000 (-) Land $54,000 Building $281,000	$335,000 (-) Land $54,000 Building $281,000
2025	$2,928.00	$335,000 Land $54,000 Building $281,000	$335,000 Land $54,000 Building $281,000
2023	$2,074.00	$190,200 Land $32,300 Building $157,900	$190,200 Land $32,300 Building $157,900

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

Flood

FEMA maps place 2005 Shady Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 14, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 2005 Shady 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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

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