3102 Watkins Rd, Monroe, NC 28110 Property Records

Union County property record for 3102 Watkins Rd, Monroe, NC 28110

Property Summary

Property Type	Agricultural Vacant Land
Lot Size	6.22 acres (270,943 sqft)
Owner	2 Individual Names on Record
Last Sale	$106,000 (Aug 2023)
Tax Bill	$369 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Dec 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`09-345-032C`

Property Details

APN / Parcel Number

Primary APN	`09-345-032C`

Exterior

Lot Area	270,943 sqft (6.22 acres)

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	3102 WATKINS RD
City	MONROE
State	NC
Zip	28110-7976
Property Category	Agriculture or Farming
Property Type	Vacant Land > Agricultural
Local Zoning Code	RA-20 UNIO
Legal Description	8763-0097
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	2
Census Block	2017
Census Tract	20403

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	3214 WATKINS RD, MONROE, NC 28110-7977
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 15, 2023	Warranty Deed, Transfer · Conventional Mortgage NORTHPOINTE BANK
Dec 19, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 15, 2023 · Amount on Record
Deed Sale	Aug 15, 2023 · Amount on Record
Deed Document Number	202319730
Deed Book / Page	8763 / 97
Prior Transfer Date	Dec 7, 2022
Prior Transfer Doc	0008627722
Record Updated	Oct 29, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Aug 15, 2023
Property Address	3102 WATKINS RD, MONROE, NC 28110-7976
Document Number	0000876397
Book / Page	8763 / 97
Instrument Date	Aug 15, 2023
Instrument	19730
Transaction Type	Transfer
Record Updated	Sep 4, 2023
Title Company	NOT AVAILABLE, CAROLINA TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$212.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10420 NC 138 HWY, OAKBORO, NC 28129-8768

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3214 WATKINS RD, MONROE, NC 28110-7977

Mortgage

Document Number	0000019731
Date	Aug 15, 2023
Instrument	19731

Lender

Name	NORTHPOINTE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	10%
Type Change Date	Sep 1, 2024
Change Frequency	6 Months
Min Rate At Change	8%
Max Rate At Change	12%
Max Rate	15%

December 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	UNION NC
Recording Date	Dec 19, 2022
Property Address	3102 WATKINS RD, MONROE, NC 28110-7976
Document Number	0008627722
Book / Page	8627 / 722
Instrument Date	Dec 7, 2022
Instrument	41232
Transaction Type	Transfer
Record Updated	Dec 30, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10420 NC 138 HWY, OAKBORO, NC 28129-8768

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10420 NC 138 HWY, OAKBORO, NC 28129-8768

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		$76,300 (-) Land $76,300	$76,300 (-) Land $76,300
2025	$369.00 (-45.58%)	$76,300 (-28.02%) Land $76,300	$76,300 (-28.02%) Land $76,300
2023	$678.00 (+2.88%)	$106,000 (-) Land $106,000	$106,000 (-) Land $106,000
2022	$659.00	$106,000 Land $106,000	$106,000 Land $106,000

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	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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 55 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

Cell Coverage

5G (outdoors only) and 4G LTE

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