2109 Clover Bend Dr, Monroe, NC 28110 Property Records

Union County property record for 2109 Clover Bend Dr, Monroe, NC 28110

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,448 sqft · built 1988
Lot Size	0.477 acres (20,778 sqft)
Owner	2 Individual Names on Record
Last Sale	$338,000 (Nov 2025)
Tax Bill	$2,190 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage Sep 2021 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`09-396-048`

Property Details

APN / Parcel Number

Primary APN	`09-396-048`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,448 sqft Living Area
Gross Area	1,932 sqft
1st Floor Area	1,448 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Wood
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	20,778 sqft (0.477 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	24 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2109 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	#22 CLOVER BEND BLK1 PH2 OPCC086
Legal Subdivision	CLOVER BEND
Legal Block	1
Legal Lot Number	22
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	2109 CLOVER BEND DR, MONROE, NC 28110-7377
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
Nov 21, 2025	Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Sep 1, 2021	Warranty Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO
Mar 17, 2021	Warranty Deed, Transfer E-CHICAGO TITLE, CHICAGO TITLE
Mar 17, 2021	Warranty Deed, Transfer E-CHICAGO TITLE, CHICAGO TITLE
Sep 13, 2018	Warranty Deed, Transfer CBC NAT'L BK MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 21, 2025 · Amount on Record
Deed Sale	Nov 21, 2025 · Amount on Record
Prior Sale	Sep 1, 2021 · Amount on Record
Deed Document Number	202530839
Deed Book / Page	9250 / 366
Prior Transfer Date	Jun 24, 2025
Prior Transfer Doc	0009147685
Record Updated	Oct 29, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Nov 21, 2025
Property Address	2109 CLOVER BEND DR, MONROE, NC 28110-7377
Document Number	0009250366
Book / Page	9250 / 366
Map Reference	CAB C FILE 86
Instrument Date	Nov 13, 2025
Instrument	30839
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	MAINSTAY NATIONAL TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$676.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	997 MORRISON DR STE 402, 402, CHARLESTON, SC 29403-4380

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	2109 CLOVER BEND DR, MONROE, NC 28110-7377

Mortgage

Document Number	0000030840
Date	Nov 21, 2025
Instrument	30840

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

Mortgage

Document Number	0009250385
Date	Nov 21, 2025
Book Page	9250/385
Instrument	30841

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Nov 20, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Sep 1, 2021
Property Address	2109 CLOVER BEND DR, MONROE, NC 28110-7377
Document Number	0008227647
Book / Page	8227 / 647
Map Reference	CAB C FILE 86
Instrument Date	Aug 24, 2021
Instrument	41576
Transaction Type	Transfer
Record Updated	Aug 24, 2022
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Tax	$559.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	410 N SCOTTSDALE RD # RD1600, 410, TEMPE, AZ 85288-7094

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	997 MORRISON DR STE 402, 402, CHARLESTON, SC 29403-4380
Investor	Possibly a Property Investor

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Mar 17, 2021
Property Address	2109 CLOVER BEND DR, MONROE, NC 28110-7377
Document Number	0008028821
Book / Page	8028 / 821
Map Reference	CAB C FILE 86
Instrument Date	Mar 15, 2021
Instrument	12402
Transaction Type	Transfer
Record Updated	Aug 24, 2022
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Tax	$498.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1120 TRANQUIL FALLS LN, 1120, MATTHEWS, NC 28104-4121

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976
Investor	Possibly a Property Investor

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Mar 17, 2021
Property Address	2109 CLOVER BEND DR, MONROE, NC 28110-7377
Document Number	0008028821
Book / Page	8028 / 821
Map Reference	CAB C FILE 86
Instrument Date	Mar 15, 2021
Instrument	12402
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Tax	$498.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1120 TRANQUIL FALLS LN, MATTHEWS, NC 28104-4121

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976
Investor	Possibly a Property Investor

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Sep 13, 2018
Property Address	2109 CLOVER BEND DR, MONROE, NC 28110-7377
Document Number	723551
Book / Page	007235 / 000051
Instrument Date	Sep 13, 2018
Instrument	26151
Transaction Type	Transfer
Record Updated	Oct 10, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$370.00
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2109 CLOVER BEND DR MONROE NC 281107377, MONROE, NC 28110-7377

Mortgage

Document Number	723554
Date	Sep 13, 2018
Book Page	007235/000054
Instrument	26152

Lender

Name	CBC NAT'L BK MTG
Address	ALPHARETTA, GA 30022

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 12, 2048

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		$325,800 (-) Land $79,400 Building $246,400	$325,800 (-) Land $79,400 Building $246,400
2025	$2,190.00 (+3.01%)	$325,800 (+30.32%) Land $79,400 Building $246,400	$325,800 (+30.32%) Land $79,400 Building $246,400
2023	$2,126.00	$250,000 Land $49,000 Building $201,000	$250,000 Land $49,000 Building $201,000

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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