2205 Windy Hill Ln, Monroe, NC 28110 Property Records

Union County property record for 2205 Windy Hill Ln, Monroe, NC 28110

Property Summary

Property Type	Rural Home
Details	3 bd · 2.5 ba · 1,899 sqft · built 1995
Lot Size	0.347 acres (15,115 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,824 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Mar 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09-396-127`

Property Details

APN / Parcel Number

Primary APN	`09-396-127`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,899 sqft Living Area
Gross Area	2,382 sqft
1st Floor Area	744 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	15,115 sqft (0.347 acres)
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2205 WINDY HILL LN
City	MONROE
State	NC
Zip	28110-9373
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	SF-1 INDIA
Legal Description	#37 CLOVER BEND SEC4A OPCD365
Legal Subdivision	CLOVER BEND
Jurisdiction	UNION NC
Township / Civil Division	VANCE
Census Block Group	2
Census Block	2000
Census Tract	20307

Owner

2205 Windy Hill Ln, a rural home, is owned and occupied by two individuals who acquired it in September 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	2205 WINDY HILL LN, MONROE, NC 28110-9373
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 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Mar 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Sep 23, 2019	Intrafamily Transfer, Transfer · ARM STATE EMPLOYEES CU
Feb 18, 2019	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Sep 17, 2019
Transfer Doc	7471260
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	2205 WINDY HILL LN, MONROE, NC 28110-9373
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008338727
Date	Dec 9, 2021
Book Page	8338/727
Instrument	57974

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	2205 WINDY HILL LN, MONROE, NC 28110-9373
Transaction Type	Mortgage
Record Updated	Apr 20, 2021
Title Company	AMROCK INC, AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	8045608
Date	Mar 30, 2021
Book Page	8045/608
Instrument	14856

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

September 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	UNION NC
Recording Date	Sep 23, 2019
Property Address	2205 WINDY HILL LN, MONROE, NC 28110-9373
Document Number	0007471260
Book / Page	7471 / 260
Map Reference	CAB D FILE 365
Instrument Date	Sep 17, 2019
Instrument	0028768
Transaction Type	Transfer
Record Updated	Dec 14, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2205 WINDY HILL LN, MONROE, NC 28110-9373

Mortgage

Document Number	0000028769
Date	Sep 23, 2019
Instrument	0028769

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Change Frequency	5 Years
Min Rate At Change	3.75%
Index	5-Year CMT
Margin	2
Max Rate	6%

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	UNION NC
Recording Date	Feb 18, 2019
Property Address	2205 WINDY HILL LN, MONROE, NC 28110-9373
Document Number	7314864
Book / Page	007314 / 000864
Instrument Date	Feb 14, 2019
Instrument	3977
Transaction Type	Transfer
Record Updated	Mar 14, 2019

Transaction

Amount	Amount on Record
Tax	$1.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2205 WINDY HILL LN MONROE NC 281109373, MONROE, NC 28110-9373

Tax Assessment & Valuation

The 2025 property tax bill for 2205 Windy Hill Ln was $2,824.

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		$422,300 (-) Land $79,400 Building $342,900	$422,300 (-) Land $79,400 Building $342,900
2025	$2,824.00	$422,300 Land $79,400 Building $342,900	$422,300 Land $79,400 Building $342,900
2023	$2,730.00	$324,400 Land $49,000 Building $275,400	$324,400 Land $49,000 Building $275,400

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

Flood

FEMA maps place 2205 Windy Hill Ln in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1998.

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	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 2205 Windy Hill 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	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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