2102 Windy Hill Ln, Monroe, NC 28110 Property Records

Union County property record for 2102 Windy Hill Ln, Monroe, NC 28110

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,526 sqft · built 1995
Lot Size	0.355 acres (15,464 sqft)
Owner	2 Individual Names on Record
Last Sale	$205,000 (Dec 2018)
Tax Bill	$2,370 (2025)
Deeds & Mortgages	Aug 2023 Second Mortgage Jan 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`09-396-113`

Property Details

APN / Parcel Number

Primary APN	`09-396-113`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,526 sqft Living Area
Gross Area	2,000 sqft
1st Floor Area	1,526 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	15,464 sqft (0.355 acres)
Garage Type	Attached
Garage Area	474 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	132 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2102 WINDY HILL LN
City	MONROE
State	NC
Zip	28110-9363
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	SF-1 INDIA
Legal Description	#23 CLOVER BEND SEC-4B OPCD365A
Legal Subdivision	CLOVER BEND
Legal Lot Number	23
Jurisdiction	UNION NC
Township / Civil Division	VANCE
Census Block Group	2
Census Block	2000
Census Tract	20307

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	2 Individual Names on Record
Mailing Address	2102 WINDY HILL LN, MONROE, NC 28110-9363
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 15, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Jan 11, 2022	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE
Jul 1, 2020	Deed of Trust, Mortgage · FHA Mortgage CALIBER HM LOANS
Dec 17, 2018	Warranty Deed, Transfer · FHA Mortgage CALIBER HM LOANS
Mar 22, 2017	Warranty Deed, Transfer · Conventional Mortgage AMERICAN SECURITY MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 17, 2018 · Amount on Record
Deed Sale	Dec 17, 2018 · Amount on Record
Prior Sale	Mar 22, 2017 · Amount on Record
Deed Document Number	201834490
Deed Book / Page	7285 / 276
Prior Transfer Date	May 5, 1997
Prior Transfer Doc	0967000529
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	2102 WINDY HILL LN, MONROE, NC 28110-9363
Transaction Type	Mortgage
Record Updated	Sep 4, 2023
Title Company	ACCURATE GROUP, ACCURATE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008763737
Date	Aug 15, 2023
Book Page	8763/737
Instrument	19822

Lender

Name	DISCOVER BANK
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 15, 2053

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	2102 WINDY HILL LN, MONROE, NC 28110-9363
Transaction Type	Mortgage
Record Updated	Feb 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008369816
Date	Jan 11, 2022
Book Page	8369/816
Instrument	1270

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	2102 WINDY HILL LN, MONROE, NC 28110-9363
Document Number	7726758
Instrument Date	Jul 1, 2020
Transaction Type	Mortgage
Record Updated	Aug 27, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2102 WINDY HILL LN MONROE NC 281109363, MONROE, NC 28110-9363

Mortgage

Document Number	7726758
Date	Jul 7, 2020
Book Page	007726/000758
Instrument	24764

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 6, 2050

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Dec 17, 2018
Property Address	2102 WINDY HILL LN, MONROE, NC 28110-9363
Document Number	7285276
Book / Page	007285 / 000276
Instrument Date	Dec 17, 2018
Instrument	34490
Transaction Type	Transfer
Record Updated	Jan 10, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$410.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2102 WINDY HILL LN MONROE NC 281109363, MONROE, NC 28110-9363

Mortgage

Document Number	7285278
Date	Dec 17, 2018
Book Page	007285/000278
Instrument	34491

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 16, 2048

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Mar 22, 2017
Property Address	2102 WINDY HILL LN, MONROE, NC 28110-9363
Document Number	0006898404
Book / Page	6898 / 404
Map Reference	CAB D FILE 365-A
Instrument Date	Mar 22, 2017
Instrument	0007840
Transaction Type	Transfer
Record Updated	Dec 14, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$370.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	591 BAILEY ST, 591, MARS HILL, NC 28754-6209

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2102 WINDY HILL LN, MONROE, NC 28110-9363

Mortgage

Document Number	0000007841
Date	Mar 22, 2017
Instrument	0007841

Lender

Name	AMERICAN SECURITY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2047

Tax Assessment & Valuation

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		$352,900 (-) Land $79,400 Building $273,500	$352,900 (-) Land $79,400 Building $273,500
2025	$2,370.00 (+6.85%)	$352,900 (+35.16%) Land $79,400 Building $273,500	$352,900 (+35.16%) Land $79,400 Building $273,500
2023	$2,218.00	$261,100 Land $49,000 Building $212,100	$261,100 Land $49,000 Building $212,100

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
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

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.

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