Union County property record for 2105 Waverly Dr, Monroe, NC 28112
| Property Type | Rural Home |
|---|---|
| Details | 2.5 ba · 1,778 sqft · built 2002 |
| Lot Size | 0.465 acres (20,255 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $238,000 (Sep 2020) |
| Tax Bill | $3,130 (2025) |
| Deeds & Mortgages | Mar 2022 Transfer Nov 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-286-106 |
| Primary APN | 09-286-106 |
|---|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,778 sqft Living Area |
| Gross Area | 2,178 sqft |
| 1st Floor Area | 753 sqft |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Composition Shingle |
| Lot Area | 20,255 sqft (0.465 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 57 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2105 WAVERLY DR |
|---|---|
| City | MONROE |
| State | NC |
| Zip | 28112-2421 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | R-20 MONRO |
| Legal Description | #75 TIMBERLAKE PB04 PG133 |
| Legal Subdivision | TIMBERLAKE |
| Legal Lot Number | 75 |
| Jurisdiction | UNION NC |
| Township / Civil Division | MONROE |
| Census Block Group | 2 |
| Census Block | 2021 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 2105 WAVERLY DR, MONROE, NC 28112-2421 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 29, 2022 | Intrafamily Transfer, Transfer |
| Nov 5, 2021 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Sep 30, 2020 | Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 30, 2020 · Amount on Record |
| Deed Sale | Sep 30, 2020 · Amount on Record |
| Prior Sale | Jan 13, 2004 · Amount on Record |
| Deed Document Number | 202039195 |
| Deed Book / Page | 7829 / 270 |
| Last Transfer Date | Mar 29, 2022 |
| Transfer Doc | 0000084382 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Mar 29, 2022 |
| Property Address | 2105 WAVERLY DR, MONROE, NC 28112-2421 |
| Document Number | 0000084382 |
| Book / Page | 8438 / 2 |
| Map Reference | MB 4 PG 133 |
| Instrument Date | Mar 24, 2022 |
| Instrument | 11568 |
| Transaction Type | Transfer |
| Record Updated | Apr 7, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 2105 WAVERLY DR, MONROE, NC 28112-2421 |
| Transaction Type | Mortgage |
| Record Updated | Nov 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 8304491 |
|---|---|
| Date | Nov 5, 2021 |
| Book Page | 8304/491 |
| Instrument | 52874 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Sep 30, 2020 |
| Property Address | 2105 WAVERLY DR, MONROE, NC 28112-2421 |
| Document Number | 7829270 |
| Book / Page | 7829 / 270 |
| Map Reference | MB 4 PG 133 |
| Instrument Date | Aug 24, 2020 |
| Instrument | 39195 |
| Transaction Type | Transfer |
| Record Updated | Sep 22, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $476.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2105 WAVERLY DR, 2105, MONROE, NC 28112-2421 |
| Name | Verified Name |
|---|
| Document Number | 39196 |
|---|---|
| Date | Sep 30, 2020 |
| Instrument | 39196 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.37% |
| Type Change Date | Oct 1, 2025 |
| Change Frequency | 5 Years |
| Min Rate At Change | 4.25% |
| Max Rate At Change | 6.37% |
| Index | 5-Year CMT |
| Max Rate | 10.3% |
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 | $358,100 (-) Land $87,200 Building $270,900 | $358,100 (-) Land $87,200 Building $270,900 | |
| 2025 | $3,130.00 (+18.25%) | $358,100 (+47.49%) Land $87,200 Building $270,900 | $358,100 (+47.49%) Land $87,200 Building $270,900 |
| 2023 | $2,647.00 | $242,800 Land $47,300 Building $195,500 | $242,800 Land $47,300 Building $195,500 |
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 93% of the US · lower than 95% of North Carolina |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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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