2809 Monterrey Ln, Monroe, NC 28110 Property Records

Union County property record for 2809 Monterrey Ln, Monroe, NC 28110

Property Summary

Property Type	Rural Home
Details	4 bd · 4 ba · 2,646 sqft · built 2002
Lot Size	0.484 acres (21,083 sqft)
Owner	2 Individual Names on Record
Last Sale	$295,000 (Mar 2017)
Tax Bill	$4,782 (2025)
Deeds & Mortgages	Mar 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-295-181`

Property Details

APN / Parcel Number

Primary APN	`09-295-181`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	2,646 sqft Living Area
Gross Area	2,496 sqft
1st Floor Area	2,001 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	21,083 sqft (0.484 acres)
Garage Type	Attached
Garage Area	495 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	298 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2809 MONTERREY LN
City	MONROE
State	NC
Zip	28110-7860
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R-20 MONRO
Legal Description	#110 SAVANNAH WAY PHI OPCF685
Legal Subdivision	SAVANNAH WAY
Legal Lot Number	110
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	3
Census Block	3001
Census Tract	20401

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2809 MONTERREY LN, MONROE, NC 28110-7860
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 16, 2017 · Amount on Record
Deed Sale	Mar 16, 2017 · Amount on Record
Prior Sale	Nov 26, 2008 · Amount on Record
Deed Document Number	20177243
Deed Book / Page	6894 / 590
Prior Transfer Date	Sep 27, 2012
Prior Transfer Doc	0005838090
Record Updated	Oct 29, 2026

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Mar 16, 2017
Property Address	2809 MONTERREY LN, MONROE, NC 28110-7860
Document Number	0006894590
Book / Page	6894 / 590
Map Reference	CAB F FILE 685
Instrument Date	Mar 13, 2017
Instrument	0007243
Transaction Type	Transfer
Record Updated	Dec 14, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$590.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1833 PAINTED HORSE DR, 1833, INDIAN TRAIL, NC 28079-5799

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10502 GLENMEADE RD, CORNELIUS, NC 28031-9409

Mortgage

Document Number	0000007244
Date	Mar 16, 2017
Instrument	0007244

Lender

Name	SUNTRUST MORTGAGE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 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		$547,100 (-) Land $108,000 Building $439,100	$547,100 (-) Land $108,000 Building $439,100
2025	$4,782.00 (+23.85%)	$547,100 (+54.5%) Land $108,000 Building $439,100	$547,100 (+54.5%) Land $108,000 Building $439,100
2023	$3,861.00	$354,100 Land $62,700 Building $291,400	$354,100 Land $62,700 Building $291,400

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	3 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	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 118 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20