Union County property record for 3105 Duck Point Dr, Monroe, NC 28110
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 3 ba · 2,544 sqft · built 1996 |
| Lot Size | 0.981 acres (42,732 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $325,000 (Dec 2010) |
| Tax Bill | $4,847 (2025) |
| Deeds & Mortgages | Sep 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-105-096 |
| Primary APN | 09-105-096 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 3 Rooms |
| Stories | 2 Stories |
| Building Area | 2,544 sqft Living Area |
| Gross Area | 3,151 sqft |
| 1st Floor Area | 1,792 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 42,732 sqft (0.981 acres) |
| View / Lot | Waterfront / Beach |
| Garage Type | Attached |
| Garage Area | 607 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 354 sqft |
| Deck Area | 192 sqft |
| Patio Area | 192 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 3105 DUCK POINT DR |
|---|---|
| City | MONROE |
| State | NC |
| Zip | 28110-8880 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | R-40 MONRO |
| Legal Description | #19 MALLARD LANDING 3105 DUCK POINT DR |
| Legal Subdivision | MALLARD LANDING |
| Legal Lot Number | 19 |
| Jurisdiction | UNION NC |
| Township / Civil Division | MONROE |
| Census Block Group | 3 |
| Census Block | 3019 |
| Census Tract | 20601 |
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 | 3105 DUCK POINT DR, MONROE, NC 28110-8880 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 29, 2010 · Amount on Record |
| Deed Sale | Dec 29, 2010 · Amount on Record |
| Prior Sale | Apr 12, 2001 · Amount on Record |
| Deed Document Number | 201033827 |
| Deed Book / Page | 5466 / 822 |
| Prior Transfer Date | Dec 6, 1996 |
| Prior Transfer Doc | 0925000339 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 3105 DUCK POINT DR, MONROE, NC 28110-8880 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 7816559 |
|---|---|
| Date | Sep 21, 2020 |
| Book Page | 7816/559 |
| Instrument | 37469 |
| Name | FIFTH THIRD BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45227 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Oct 1, 2035 |
Source: Union County assessment roll, as of March 31, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Union County |
| Municipality | Monroe City |
| Unified School District | Union County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $554,500 (-) Land $163,800 Building $390,700 | $554,500 (-) Land $163,800 Building $390,700 | |
| 2025 | $4,847.00 (+9.14%) | $554,500 (+36.14%) Land $163,800 Building $390,700 | $554,500 (+36.14%) Land $163,800 Building $390,700 |
| 2023 | $4,441.00 | $407,300 Land $166,000 Building $241,300 | $407,300 Land $166,000 Building $241,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Claims | 1 (2016) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Oct 2016 · river or lake flooding |
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 87 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 50 |
5G (outdoors only) and 4G LTE
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