3110 Love Mill Rd, Monroe, NC 28110 Property Records

Union County property record for 3110 Love Mill Rd, Monroe, NC 28110

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,248 sqft · built 1954
Lot Size	0.82 acres (35,719 sqft)
Owner	Individual Name on File
Last Sale	$210,000 (Nov 2020)
Tax Bill	$1,293 (2025)
Deeds & Mortgages	Nov 2020 Sale & Mortgage Mar 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-099-014B`

Property Details

APN / Parcel Number

Primary APN	`08-099-014B`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,248 sqft Living Area
Gross Area	1,152 sqft
1st Floor Area	1,248 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	35,719 sqft (0.82 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	52 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3110 LOVE MILL RD
City	MONROE
State	NC
Zip	28110-7438
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	RA-40 UNIO
Legal Description	0.82A 7604-093
Jurisdiction	UNION NC
Township / Civil Division	GOOSE CREEK
Census Block Group	2
Census Block	2012
Census Tract	20206

Owner

3110 Love Mill Rd, a rural home, is owned and occupied by an individual who bought it in November 2020.

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

Owner of Record	Individual Name on File
Mailing Address	3110 LOVE MILL RD, MONROE, NC 28110-7438
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
Nov 30, 2020	Warranty Deed, Transfer · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO
Mar 26, 2018	Warranty Deed, Transfer · Conventional Mortgage TOWNEBANK MORTGAGE
Jan 31, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 30, 2020 · Amount on File
Deed Sale	Nov 30, 2020 · Amount on File
Prior Sale	Mar 26, 2018 · Amount on File
Deed Document Number	202049656
Deed Book / Page	7904 / 93
Prior Transfer Date	Jun 14, 2013
Prior Transfer Doc	6031321
Record Updated	Oct 29, 2026

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Nov 30, 2020
Property Address	3110 LOVE MILL RD, MONROE, NC 28110-7438
Document Number	0000790493
Book / Page	7904 / 93
Instrument Date	Nov 30, 2020
Instrument	49656
Transaction Type	Transfer
Record Updated	Dec 14, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$420.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3110 LOVE MILL RD, MONROE, NC 28110-7438

Mortgage

Document Number	0000049657
Date	Nov 30, 2020
Instrument	49657

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.87%
Type Change Date	Dec 1, 2030
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	8.87%
Index	Other
Margin	3
Max Rate	8.87%

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Mar 26, 2018
Property Address	3110 LOVE MILL RD, MONROE, NC 28110-7438
Document Number	0007124650
Book / Page	7124 / 650
Instrument Date	Mar 26, 2018
Instrument	0007644
Transaction Type	Transfer
Record Updated	Dec 14, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$339.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 W FRANKLIN ST STE A, A, MONROE, NC 28112-4787
Mail Care Of	LEWIS R FISHER

Mortgage

Document Number	0000007645
Date	Mar 26, 2018
Instrument	0007645

Lender

Name	TOWNEBANK MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2048

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Jan 31, 2017
Property Address	3110 LOVE MILL RD, MONROE, NC 28110-7438
Document Number	6868618
Book / Page	006868 / 000618
Instrument Date	Jan 30, 2017
Instrument	2741
Transaction Type	Transfer
Record Updated	Apr 18, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$80.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3110 LOVE MILL RD MONROE NC 281107438, MONROE, NC 28110-7438

Tax Assessment & Valuation

The 2025 property tax bill for 3110 Love Mill Rd was $1,293.

Source: Union County assessment roll, as of March 31, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Union County
Municipality	Unionville Town
Unified School District	Union County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$254,500 (-) Land $56,200 Building $198,300	$254,500 (-) Land $56,200 Building $198,300
2025	$1,293.00	$254,500 Land $56,200 Building $198,300	$254,500 Land $56,200 Building $198,300
2023	$1,178.00	$176,100 Land $29,900 Building $146,200	$176,100 Land $29,900 Building $146,200

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

Flood

FEMA maps place 3110 Love Mill Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 14, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 3110 Love Mill Rd 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	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	UNION COUNTY WATER SYSTEM serves 169,685 people · EPA ID NC0190413
Water Source	Surface water
Last State Inspection	May 2026
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Mar 2020 Haloacetic acids resolved · Jul 2017
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 22 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile, Verizon.

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