Union County property record for 2304 Clover Bend Dr, Monroe, NC 28110
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,028 sqft · built 1999 |
| Lot Size | 0.483 acres (21,039 sqft) |
| Owner | Individual Name on File |
| Last Sale | $90,500 (Mar 2014) |
| Tax Bill | $2,813 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-396-044 |
| Primary APN | 09-396-044 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 3 Rooms |
| Stories | 2 Stories |
| Building Area | 2,028 sqft Living Area |
| Gross Area | 1,808 sqft |
| 1st Floor Area | 1,257 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 21,039 sqft (0.483 acres) |
| Deck Area | 768 sqft |
| Patio Area | 768 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2304 CLOVER BEND DR |
|---|---|
| City | MONROE |
| State | NC |
| Zip | 28110-7379 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | SF-1 INDIA |
| Legal Description | #35 CLOVER BEND BLK2 OPCB378 |
| Legal Subdivision | CLOVER BEND |
| Legal Block | 2 |
| Jurisdiction | UNION NC |
| Township / Civil Division | VANCE |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 20307 |
2304 Clover Bend Dr, a rural home, is owned and occupied by an individual who bought it in March 2014.
Source: Union County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2304 CLOVER BEND DR, MONROE, NC 28110-7379 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 5, 2014 · Amount on File |
| Deed Sale | Mar 5, 2014 · Amount on File |
| Prior Sale | Sep 12, 2013 · Amount on File |
| Deed Document Number | 20145166 |
| Deed Book / Page | 6187 / 732 |
| Prior Transfer Date | Sep 11, 2013 |
| Prior Transfer Doc | 6095747 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 2304 Clover Bend Dr was $2,813.
Source: Union County assessment roll, as of March 31, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Union County |
| Municipality | Indian Trail Town |
| Unified School District | Union County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $420,200 (-) Land $79,400 Building $340,800 | $420,200 (-) Land $79,400 Building $340,800 | |
| 2025 | $2,813.00 | $420,200 Land $79,400 Building $340,800 | $420,200 Land $79,400 Building $340,800 |
| 2023 | $2,624.00 | $311,600 Land $49,000 Building $262,600 | $311,600 Land $49,000 Building $262,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2304 Clover Bend Dr 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 risk around 2304 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.
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 |
| 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.
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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