2101 Clover Bend Dr, Monroe, NC 28110 Property Records

Union County property record for 2101 Clover Bend Dr, Monroe, NC 28110

Property Summary

Property Type	Rural Home
Details	4 bd · 2.5 ba · 2,402 sqft · built 1989
Lot Size	0.593 acres (25,831 sqft)
Owner	2 Individual Names on File
Last Sale	$300,000 (Sep 2020)
Tax Bill	$3,006 (2025)
Deeds & Mortgages	Dec 2023 Mortgage Dec 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`09-396-050`

Property Details

APN / Parcel Number

Primary APN	`09-396-050`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,402 sqft Living Area
Gross Area	2,886 sqft
1st Floor Area	1,090 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	25,831 sqft (0.593 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	159 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	2101 CLOVER BEND DR
City	MONROE
State	NC
Zip	28110-7377
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	SF-1 INDIA
Legal Description	#24 CLOVER BEND PH3 BLK3 OPCC227
Legal Subdivision	CLOVER BEND
Legal Block	3
Legal Lot Number	24
Jurisdiction	UNION NC
Township / Civil Division	VANCE
Census Block Group	2
Census Block	2000
Census Tract	20307

Owner

2101 Clover Bend Dr, a rural home, is owned and occupied by two individuals who bought it in September 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	2101 CLOVER BEND DR, MONROE, NC 28110-7377
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

Date	Document
Dec 14, 2023	Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC
Dec 1, 2022	Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC
Jun 10, 2021	Deed of Trust, Mortgage · FHA Mortgage CENLAR FSB
Sep 18, 2020	Warranty Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC
Nov 15, 2017	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 18, 2020 · Amount on File
Deed Sale	Sep 18, 2020 · Amount on File
Prior Sale	Nov 15, 2017 · Amount on File
Deed Document Number	202037127
Deed Book / Page	7813 / 885
Prior Transfer Date	Mar 29, 1999
Prior Transfer Doc	0000082727
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	2101 CLOVER BEND DR, MONROE, NC 28110-7377
Transaction Type	Mortgage
Record Updated	Dec 29, 2023
Title Company	COVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2101 CLOVER BEND DR, MONROE, NC 28110-7377

Mortgage

Document Number	0008826281
Date	Dec 14, 2023
Book Page	8826/281
Instrument	29745

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	MADISON HEIGHTS, MI 48071

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2054

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	2101 CLOVER BEND DR, MONROE, NC 28110-7377
Transaction Type	Mortgage
Record Updated	Dec 16, 2022
Title Company	COVIUS SETTLEMENT SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2101 CLOVER BEND DR, MONROE, NC 28110-7377

Mortgage

Document Number	0008617537
Date	Dec 1, 2022
Book Page	8617/537
Instrument	39621

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	334 Months
Due	Oct 1, 2050

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	2101 CLOVER BEND DR, MONROE, NC 28110-7377
Transaction Type	Mortgage
Record Updated	Jun 29, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2101 CLOVER BEND DR, MONROE, NC 28110-7377

Mortgage

Document Number	813289
Date	Jun 10, 2021
Book Page	8132/89
Instrument	27511

Lender

Name	CENLAR FSB
Type	Bank
Address	TRENTON, NJ 08618

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	352 Months
Due	Oct 1, 2050

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Sep 18, 2020
Property Address	2101 CLOVER BEND DR, MONROE, NC 28110-7377
Document Number	0007813885
Book / Page	7813 / 885
Map Reference	CAB C FILE 227
Instrument Date	Sep 17, 2020
Instrument	37127
Transaction Type	Transfer
Record Updated	Dec 14, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$600.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2101 CLOVER BEND DR, MONROE, NC 28110-7377

Mortgage

Document Number	0000037128
Date	Sep 18, 2020
Instrument	37128

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Nov 15, 2017
Property Address	2101 CLOVER BEND DR, MONROE, NC 28110-7377
Document Number	0007054329
Book / Page	7054 / 329
Map Reference	CAB C FILE 227
Instrument Date	Nov 8, 2017
Instrument	0033720
Transaction Type	Transfer
Record Updated	Dec 14, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$508.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2101 CLOVER BEND DR, MONROE, NC 28110-7377

Mortgage

Document Number	0000033721
Date	Nov 15, 2017
Instrument	0033721

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 2101 Clover Bend Dr was $3,006.

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

Property Jurisdictions

Type	Name
State	North Carolina
County	Union County
Municipality	Indian Trail Town
Unified School District	Union County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$450,200 (-) Land $79,400 Building $370,800	$450,200 (-) Land $79,400 Building $370,800
2025	$3,006.00	$450,200 Land $79,400 Building $370,800	$450,200 Land $79,400 Building $370,800
2023	$2,770.00	$328,000 Land $49,000 Building $279,000	$328,000 Land $49,000 Building $279,000

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

Flood

FEMA maps place 2101 Clover Bend Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	7 (1998–2023)
Claims Outside the SFHA	6 of 7
Most Recent Claim	Sep 2023 · river or lake flooding

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 2101 Clover Bend Dr 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	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 336 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

May also be available: Windstream.

Cell Coverage

5G (outdoors only) and 4G LTE

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