2316 Clover Bend Dr, Monroe, NC 28110 Property Records

Union County property record for 2316 Clover Bend Dr, Monroe, NC 28110

Property Summary

Property Type	Rural Home
Details	3 bd · 2.5 ba · 1,646 sqft · built 1987
Lot Size	0.562 acres (24,481 sqft)
Owner	2 Individual Names on Record
Last Sale	$345,000 (Jan 2023)
Tax Bill	$2,197 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Mar 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`09-396-047`

Property Details

APN / Parcel Number

Primary APN	`09-396-047`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,646 sqft Living Area
Gross Area	2,130 sqft
1st Floor Area	768 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	24,481 sqft (0.562 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	192 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2316 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	#38 BLK2 CLOVER BEND PH1 OPCB378A
Legal Subdivision	CLOVER BEND
Legal Block	2
Legal Lot Number	38
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	2316 CLOVER BEND DR, MONROE, NC 28110-7379
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Mar 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jan 27, 2023	Warranty Deed, Transfer · VA Mortgage CARDINAL FINANCIAL COMPANY LP
Aug 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Mar 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 27, 2023 · Amount on Record
Deed Sale	Jan 27, 2023 · Amount on Record
Prior Sale	Feb 13, 2018 · Amount on Record
Deed Document Number	20231907
Deed Book / Page	8645 / 738
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	2316 CLOVER BEND DR, MONROE, NC 28110-7379
Transaction Type	Mortgage
Record Updated	Jun 9, 2026
Title Company	AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008202235
Date	Aug 11, 2021
Book Page	8202/235
Instrument	37892

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	2316 CLOVER BEND DR, MONROE, NC 28110-7379
Transaction Type	Mortgage
Record Updated	Jun 9, 2026
Title Company	AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008012624
Date	Mar 4, 2021
Book Page	8012/624
Instrument	10136

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Jan 27, 2023
Property Address	2316 CLOVER BEND DR, MONROE, NC 28110-7379
Document Number	0008645738
Book / Page	8645 / 738
Map Reference	CAB B FILE 378-A
Instrument Date	Jan 27, 2023
Instrument	1907
Transaction Type	Transfer
Record Updated	Feb 10, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$690.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7324 PLEASANT HILL CHURCH RD, MARSHVILLE, NC 28103-8669

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2316 CLOVER BEND DR, MONROE, NC 28110-7379

Mortgage

Document Number	0000001908
Date	Jan 27, 2023
Instrument	1908

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	2316 CLOVER BEND DR, MONROE, NC 28110-7379
Transaction Type	Mortgage
Record Updated	Aug 27, 2021
Title Company	AMROCK INC, AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	8202235
Date	Aug 11, 2021
Book Page	8202/235
Instrument	37892

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	2316 CLOVER BEND DR, MONROE, NC 28110-7379
Transaction Type	Mortgage
Record Updated	Mar 19, 2021
Title Company	AMROCK INC, AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	8012624
Date	Mar 4, 2021
Book Page	8012/624
Instrument	10136

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

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		$327,000 (-) Land $79,400 Building $247,600	$327,000 (-) Land $79,400 Building $247,600
2025	$2,197.00 (+4.62%)	$327,000 (+31.8%) Land $79,400 Building $247,600	$327,000 (+31.8%) Land $79,400 Building $247,600
2023	$2,100.00	$248,100 Land $49,000 Building $199,100	$248,100 Land $49,000 Building $199,100

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
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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