2809 Austin Chaney Rd, Monroe, NC 28110 Property Records

Union County property record for 2809 Austin Chaney Rd, Monroe, NC 28110

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,637 sqft · built 2015
Lot Size	3.36 acres (146,362 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,822 (2025)
Deeds & Mortgages	Feb 2022 Line of Credit Apr 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-081-013H`

Property Details

APN / Parcel Number

Primary APN	`08-081-013H`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	2,637 sqft Living Area
1st Floor Area	1,503 sqft
Basement Area	1,703 sqft
Unfinished Basement	1,703 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable
Lot Area	146,362 sqft (3.36 acres)
Porch	Slab
Porch Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2809 AUSTIN CHANEY RD
City	MONROE
State	NC
Zip	28110-0619
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OPCM475
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	3
Census Block	3059
Census Tract	20100

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	2809 AUSTIN CHANEY RD, MONROE, NC 28110-0619
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 25, 2022	Deed of Trust, Mortgage · Line of Credit UWHARRIE BANK
Apr 17, 2018	Deed of Trust, Mortgage · Line of Credit UWHARRIE BANK
Jul 31, 2020	Deed of Trust, Mortgage · Conventional Mortgage UWHARRIE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Oct 13, 2014
Transfer Doc	0006318011
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	2809 AUSTIN CHANEY RD, MONROE, NC 28110-0619
Transaction Type	Mortgage
Record Updated	Mar 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2809 AUSTIN CHANEY RD, MONROE, NC 28110-0619

Mortgage

Document Number	0008410618
Date	Feb 25, 2022
Book Page	8410/618
Instrument	7405

Lender

Name	UWHARRIE BANK
Type	Bank
Address	WADESBORO, NC 28170

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	2809 AUSTIN CHANEY RD, MONROE, NC 28110-0619
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7138445
Date	Apr 17, 2018
Book Page	7138/445
Instrument	0010015

Lender

Name	UWHARRIE BANK
Type	Bank
Address	ALBEMARLE, NC 28002

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Apr 13, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	2809 AUSTIN CHANEY RD, MONROE, NC 28110-0619
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7756121
Date	Jul 31, 2020
Book Page	7756/121
Instrument	28901

Lender

Name	UWHARRIE BANK
Type	Bank
Address	ALBEMARLE, NC 28001

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Aug 1, 2040

Tax Assessment & Valuation

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		$755,200 (-) Land $108,600 Building $646,600	$755,200 (-) Land $108,600 Building $646,600
2025	$3,822.00 (+24.98%)	$755,200 (+61.71%) Land $108,600 Building $646,600	$755,200 (+61.71%) Land $108,600 Building $646,600
2023	$3,058.00	$467,000 Land $54,200 Building $412,800	$467,000 Land $54,200 Building $412,800

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	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 16 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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