2541 Spring Breeze Way, Monroe, NC 28110 Property Records

Union County property record for 2541 Spring Breeze Way, Monroe, NC 28110

Property Summary

Property Type	Rural Home
Details	4 bd · 2.5 ba · 4,222 sqft · built 2007
Lot Size	0.261 acres (11,369 sqft)
Owner	2 Individual Names on Record
Last Sale	$240,500 (Mar 2008)
Tax Bill	$4,150 (2025)
Deeds & Mortgages	May 2024 Mortgage Sep 2023 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`09-345-353`

Property Details

APN / Parcel Number

Primary APN	`09-345-353`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	4,222 sqft Living Area
1st Floor Area	1,972 sqft

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable
Lot Area	11,369 sqft (0.261 acres)
Garage Type	Attached
Garage Area	380 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	20 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	2541 SPRING BREEZE WAY
City	MONROE
State	NC
Zip	28110-8342
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R-12SU MON
Legal Description	#122 WINDY RIDGE PH4 OPCJ777
Legal Subdivision	WINDY RIDGE
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	2
Census Block	2003
Census Tract	20403

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	2541 SPRING BREEZE WAY, MONROE, NC 28110-8342
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 3, 2024	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Sep 11, 2023	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Jun 13, 2022	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
May 8, 2020	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Apr 16, 2020	Loan Modification, Mortgage · FHA Mortgage US BK
May 26, 2017	Loan Modification, Mortgage · FHA Mortgage US BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 13, 2008 · Amount on Record
Deed Sale	Mar 13, 2008 · Amount on Record
Deed Document Number	20089408
Deed Book / Page	4836 / 197
Record Updated	Oct 29, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	2541 SPRING BREEZE WAY, MONROE, NC 28110-8342
Transaction Type	Mortgage
Record Updated	May 21, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2541 SPRING BREEZE WAY, MONROE, NC 28110-8342

Mortgage

Document Number	0008898662
Date	May 3, 2024
Book Page	8898/662
Instrument	10138

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	480 Months
Due	May 1, 2064

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	2541 SPRING BREEZE WAY, MONROE, NC 28110-8342
Transaction Type	Mortgage
Record Updated	Sep 25, 2023
Title Company	COVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2541 SPRING BREEZE WAY, MONROE, NC 28110-8342

Mortgage

Document Number	0008778524
Date	Sep 11, 2023
Book Page	8778/524
Instrument	22029

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	321 Months
Due	Jun 1, 2050

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	2541 SPRING BREEZE WAY, MONROE, NC 28110-8342
Transaction Type	Mortgage
Record Updated	Jun 24, 2022
Title Company	COVIUS SETTLEMENT SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2541 SPRING BREEZE WAY, MONROE, NC 28110-8342

Mortgage

Document Number	0008499746
Date	Jun 13, 2022
Book Page	8499/746
Instrument	21173

Lender

Name	US BANK NA
Type	Bank
Address	MADISON HEIGHTS, MI 48071

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Jun 1, 2050

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	2541 SPRING BREEZE WAY, MONROE, NC 28110-8342
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7662696
Date	May 8, 2020
Book Page	7662/696
Instrument	15838

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

April 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	UNION NC
Property Address	2541 SPRING BREEZE WAY, MONROE, NC 28110-8342
Document Number	7665429
Instrument Date	Apr 16, 2020
Transaction Type	Mortgage
Record Updated	Jul 13, 2020
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2541 SPRING BREEZE WAY MONROE NC 281108342, MONROE, NC 28110-8342

Mortgage

Document Number	7665429
Date	May 12, 2020
Book Page	007665/000429
Instrument	16188

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 11, 2050

Interest

Rate Type	Fixed Rate
Rate	4%

May 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	UNION NC
Property Address	2541 SPRING BREEZE WAY, MONROE, NC 28110-8342
Document Number	6958318
Book / Page	006958 / 000318
Instrument Date	May 26, 2017
Transaction Type	Mortgage
Record Updated	Nov 15, 2017
Title Company	LOAN MODIFICATION SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2541 SPRING BREEZE WAY MONROE NC 281108342, MONROE, NC 28110-8342

Mortgage

Document Number	6958318
Date	Jun 23, 2017
Book Page	006958/000318
Instrument	17666

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 22, 2047

Tax Assessment & Valuation

Source: Union County assessment roll, as of March 31, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Union County
Municipality	Monroe City
Unified School District	Union County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$474,800 (-) Land $72,000 Building $402,800	$474,800 (-) Land $72,000 Building $402,800
2025	$4,150.00 (+19.98%)	$474,800 (+49.68%) Land $72,000 Building $402,800	$474,800 (+49.68%) Land $72,000 Building $402,800
2023	$3,459.00	$317,200 Land $46,400 Building $270,800	$317,200 Land $46,400 Building $270,800

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	1 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.

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 210 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 / 1,000

May also be available: T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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