3109 Duck Point Dr, Monroe, NC 28110 Property Records

Union County property record for 3109 Duck Point Dr, Monroe, NC 28110

Property Summary

Property Type	Rural Home
Details	4 bd · 3 ba · 3,035 sqft · built 1996
Lot Size	0.977 acres (42,558 sqft)
Owner	2 Individual Names on File
Last Sale	$475,000 (Nov 2019)
Tax Bill	$5,707 (2025)
Deeds & Mortgages	Mar 2022 Line of Credit Nov 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-105-097`

Property Details

APN / Parcel Number

Primary APN	`09-105-097`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	3,035 sqft Living Area
Gross Area	3,653 sqft
1st Floor Area	984 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

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	42,558 sqft (0.977 acres)
View / Lot	Waterfront / Beach
Garage Type	Attached
Garage Area	661 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	18 sqft
Deck Area	536 sqft
Patio Area	536 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	3109 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	#20 MALLARD LANDING OPCD471
Legal Subdivision	MALLARD LANDING
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	3
Census Block	3019
Census Tract	20601

Owner

3109 Duck Point Dr, a rural home, is owned and occupied by two individuals who bought it in November 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	3109 DUCK POINT DR, MONROE, NC 28110-8880
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2022	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Nov 7, 2019	Warranty Deed, Transfer · Conventional Mortgage BRANCH BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 7, 2019 · Amount on File
Deed Sale	Nov 7, 2019 · Amount on File
Prior Sale	Mar 3, 1997 · Amount on File
Deed Document Number	201934615
Deed Book / Page	7510 / 694
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	3109 DUCK POINT DR, MONROE, NC 28110-8880
Transaction Type	Mortgage
Record Updated	Mar 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3109 DUCK POINT DR, MONROE, NC 28110-8880

Mortgage

Document Number	0008422354
Date	Mar 10, 2022
Book Page	8422/354
Instrument	9152

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Nov 7, 2019
Property Address	3109 DUCK POINT DR, MONROE, NC 28110-8880
Document Number	7510694
Book / Page	007510 / 000694
Instrument Date	Nov 4, 2019
Instrument	34615
Transaction Type	Transfer
Record Updated	Dec 9, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$950.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3109 DUCK POINT DR MONROE NC 281108880, MONROE, NC 28110-8880

Mortgage

Document Number	7510696
Date	Nov 7, 2019
Book Page	007510/000696
Instrument	34616

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WILSON, NC 27893

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 6, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 3109 Duck Point Dr was $5,707.

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		$652,900 (-) Land $163,800 Building $489,100	$652,900 (-) Land $163,800 Building $489,100
2025	$5,707.00	$652,900 Land $163,800 Building $489,100	$652,900 Land $163,800 Building $489,100
2023	$5,686.00	$521,500 Land $166,000 Building $355,500	$521,500 Land $166,000 Building $355,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3109 Duck Point Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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.

Wildfire

Wildfire risk around 3109 Duck Point Dr is low, with a 0.01% annual chance of 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 87 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

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