2824 Loveday Dr, Monroe, NC 28110 Property Records

Union County property record for 2824 Loveday Dr, Monroe, NC 28110

Property Summary

Property Type	Single Family Home
Details	1,998 sqft · built 2021
Lot Size	0.149 acres (6,490 sqft)
Owner	Individual Name on Record
Last Sale	$298,500 (May 2021)
Tax Bill	$3,252 (2025)
Deeds & Mortgages	May 2025 Line of Credit Feb 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-216-308`

Property Details

APN / Parcel Number

Primary APN	`09-216-308`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,998 sqft Total Area
1st Floor Area	774 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Lot Area	6,490 sqft (0.149 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2824 LOVEDAY DR
City	MONROE
State	NC
Zip	28110-0493
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	#12 VERONICA SPRINGS PH1 MAP1 OPCP274
Legal Subdivision	VERONICA SPRINGS
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	3
Census Block	3003
Census Tract	20401

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	Individual Name on Record
Mailing Address	2824 LOVEDAY DR, MONROE, NC 28110-0493
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 13, 2025	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Feb 2, 2022	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
May 20, 2021	Special Warranty Deed, Transfer · VA Mortgage LENNAR MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 20, 2021 · Amount on Record
Deed Sale	May 20, 2021 · Amount on Record
Deed Document Number	202123999
Deed Book / Page	8108 / 82
Record Updated	Oct 29, 2026

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	2824 LOVEDAY DR, MONROE, NC 28110-0493
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0009116758
Date	May 13, 2025
Book Page	9116/758
Instrument	11670

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	2824 LOVEDAY DR, MONROE, NC 28110-0493
Transaction Type	Mortgage
Record Updated	Mar 31, 2026
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSINGS SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008389434
Date	Feb 2, 2022
Book Page	8389/434
Instrument	4140

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2052

May 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	UNION NC
Recording Date	May 20, 2021
Property Address	2824 LOVEDAY DR, MONROE, NC 28110-0493
Document Number	0000810882
Book / Page	8108 / 82
Map Reference	CAB P FILE 274-276
Instrument Date	May 20, 2021
Instrument	23999
Transaction Type	Transfer
Record Updated	Mar 31, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$597.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11230 CARMEL COMMONS BLVD, CHARLOTTE, NC 28226-3920

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2824 LOVEDAY DRIVE, MONROE, NC 28110-0493

Mortgage

Document Number	0000024000
Date	May 20, 2021
Instrument	24000

Lender

Name	LENNAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

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		$372,100 (-) Land $81,400 Building $290,700	$372,100 (-) Land $81,400 Building $290,700
2025	$3,252.00 (+16.94%)	$372,100 (+45.86%) Land $81,400 Building $290,700	$372,100 (+45.86%) Land $81,400 Building $290,700
2023	$2,781.00	$255,100 Land $47,500 Building $207,600	$255,100 Land $47,500 Building $207,600

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	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 194 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 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Hotwire Communications.

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