2706 Lancaster Hwy, Monroe, NC 28112 Property Records

Union County property record for 2706 Lancaster Hwy, Monroe, NC 28112

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,156 sqft · built 1985
Lot Size	1 acres (43,647 sqft)
Owner	2 Individual Names on File
Last Sale	$88,000 (Apr 1997)
Tax Bill	$1,284 (2025)
Deeds & Mortgages	Aug 2023 Line of Credit Feb 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-330-043`

Property Details

APN / Parcel Number

Primary APN	`09-330-043`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,156 sqft Living Area
1st Floor Area	1,156 sqft

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	43,647 sqft (1 acres)
Porch	Slab
Porch Area	205 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	2706 LANCASTER HWY
City	MONROE
State	NC
Zip	28112-8851
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA-40 UNIO
Legal Description	#4 CARMEL ACRES SECT II 2706 LANCASTER HWY
Legal Subdivision	CARMEL ACRES
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	4
Census Block	4011
Census Tract	20501

Owner

2706 Lancaster Hwy is owned and occupied by two individuals who bought it in April 1997.

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

Owner of Record	2 Individual Names on File
Mailing Address	2706 LANCASTER HWY, MONROE, NC 28112-8851
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
Aug 25, 2023	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Feb 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOCAL GOVERNMENT FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 1997 · Amount on File
Deed Sale	Apr 30, 1997 · Amount on File
Deed Book / Page	965 / 880
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	2706 LANCASTER HWY, MONROE, NC 28112-8851
Transaction Type	Mortgage
Record Updated	Sep 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008770108
Date	Aug 25, 2023
Book Page	8770/108
Instrument	20764

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	2706 LANCASTER HWY, MONROE, NC 28112-8851
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7594350
Date	Feb 26, 2020
Book Page	7594/350
Instrument	6317

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Mar 1, 2040

Tax Assessment & Valuation

The 2025 property tax bill for 2706 Lancaster Hwy was $1,284.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$266,700 (-) Land $50,100 Building $216,600	$266,700 (-) Land $50,100 Building $216,600
2025	$1,284.00	$266,700 Land $50,100 Building $216,600	$266,700 Land $50,100 Building $216,600
2023	$1,136.00	$179,200 Land $22,400 Building $156,800	$179,200 Land $22,400 Building $156,800

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

Flood

FEMA maps place 2706 Lancaster Hwy in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 14, 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

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 2706 Lancaster Hwy is low, with a 0.02% 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	0.02% annual chance
Exposure	Direct burnable vegetation

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 50 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Lancaster Hwy

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