2803 Lancaster Hwy, Monroe, NC 28112 Property Records

Union County property record for 2803 Lancaster Hwy, Monroe, NC 28112

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,242 sqft · built 1986
Lot Size	1.23 acres (53,840 sqft)
Owner	Individual Name on File
Last Sale	$138,000 (Jul 2015)
Tax Bill	$1,439 (2025)
Deeds & Mortgages	Feb 2026 Mortgage May 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-330-060`

Property Details

APN / Parcel Number

Primary APN	`09-330-060`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,242 sqft Living Area
1st Floor Area	1,242 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	53,840 sqft (1.23 acres)

Exterior Amenities

Porch	Slab
Porch Area	230 sqft
Deck Area	Deck Area
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2803 LANCASTER HWY
City	MONROE
State	NC
Zip	28112-8853
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA-40 UNIO
Legal Description	#5 CARMEL ACRES SEC3 OPCB203B
Legal Subdivision	CARMEL ACRES
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	2
Census Block	2000
Census Tract	21005

Owner

2803 Lancaster Hwy is owned by an individual who bought it in July 2015.

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

Owner of Record	Individual Name on File
Mailing Address	PO BOX 294, MONROE, NC 28111-0294
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
Feb 24, 2026	Deed of Trust, Mortgage · Partial Claim Mortgage LAKEVIEW LOAN SERVICING LLC
May 17, 2023	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE
Sep 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 20, 2015 · Amount on File
Deed Sale	Jul 20, 2015 · Amount on File
Deed Document Number	201522018
Deed Book / Page	6491 / 598
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	2803 LANCASTER HWY, MONROE, NC 28112-8853
Transaction Type	Mortgage
Record Updated	Mar 10, 2026
Title Company	COVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2803 LANCASTER HWY, MONROE, NC 28112-8853

Mortgage

Document Number	0000931113
Date	Feb 24, 2026
Book Page	9311/13
Instrument	4584

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Partial Claim Mortgage
Amount	Amount on Record
Term	328 Months
Due	Jun 1, 2053

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	2803 LANCASTER HWY, MONROE, NC 28112-8853
Transaction Type	Mortgage
Record Updated	Jun 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008709622
Date	May 17, 2023
Book Page	8709/622
Instrument	11587

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	2803 LANCASTER HWY, MONROE, NC 28112-8853
Transaction Type	Mortgage
Record Updated	Sep 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	8233643
Date	Sep 8, 2021
Book Page	8233/643
Instrument	42438

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 2803 Lancaster Hwy was $1,439.

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		$298,800 (-) Land $53,900 Building $244,900	$298,800 (-) Land $53,900 Building $244,900
2025	$1,439.00	$298,800 Land $53,900 Building $244,900	$298,800 Land $53,900 Building $244,900
2023	$1,258.00	$198,400 Land $24,300 Building $174,100	$198,400 Land $24,300 Building $174,100

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

Flood

FEMA maps place 2803 Lancaster Hwy in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 14, 2026

FEMA Flood Zone	Zone X minimal risk
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 2803 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

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