313 Pennigar Rd, Monroe, NC 28110 Property Records

Union County property record for 313 Pennigar Rd, Monroe, NC 28110

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,340 sqft · built 1991
Lot Size	1.62 acres (70,567 sqft)
Owner	2 Individual Names on Record
Last Sale	$192,500 (Oct 2018)
Tax Bill	$1,556 (2025)
Deeds & Mortgages	Feb 2023 Line of Credit Sep 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`08-237-018`

Property Details

APN / Parcel Number

Primary APN	`08-237-018`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,340 sqft Living Area
1st Floor Area	1,340 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	70,567 sqft (1.62 acres)

Exterior Amenities

Porch	Slab
Porch Area	253 sqft
Deck Area	Deck Area
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	313 PENNIGAR RD
City	MONROE
State	NC
Zip	28110-6979
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA-40 UNIO
Legal Description	#2 JORDAN PENNIGAR RD OPCC-861
Legal Subdivision	DAVID JORDAN SUBDIVISION
Legal Lot Number	2
Jurisdiction	UNION NC
Township / Civil Division	GOOSE CREEK
Census Block Group	1
Census Block	1018
Census Tract	20205

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	313 PENNIGAR RD, MONROE, NC 28110-6979
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2023	Deed of Trust, Mortgage · Line of Credit COGENT BANK
Sep 15, 2020	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC
Oct 2, 2019	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS
Oct 15, 2018	Warranty Deed, Transfer · VA Mortgage WHITLEY MORTGAGE ASSOCIATES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 15, 2018 · Amount on Record
Deed Sale	Oct 15, 2018 · Amount on Record
Prior Sale	Apr 2, 1997 · Amount on Record
Deed Document Number	201829010
Deed Book / Page	7252 / 218
Prior Transfer Date	Nov 13, 2014
Prior Transfer Doc	0006366316
Record Updated	Oct 29, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	313 PENNIGAR RD, MONROE, NC 28110-6979
Transaction Type	Mortgage
Record Updated	Mar 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	313 PENNIGAR RD, MONROE, NC 28110-6979

Mortgage

Document Number	0008656699
Date	Feb 17, 2023
Book Page	8656/699
Instrument	3632

Lender

Name	COGENT BANK
Type	Bank
Address	NASHVILLE, TN 37201

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	228 Months
Due	Feb 6, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	313 PENNIGAR RD, MONROE, NC 28110-6979
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7808575
Date	Sep 15, 2020
Book Page	7808/575
Instrument	36399

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	313 PENNIGAR RD, MONROE, NC 28110-6979
Document Number	7484403
Instrument Date	Oct 2, 2019
Transaction Type	Mortgage
Record Updated	Oct 22, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	313 PENNIGAR RD MONROE NC 281106979, MONROE, NC 28110-6979

Mortgage

Document Number	7484403
Date	Oct 7, 2019
Book Page	007484/000403
Instrument	30736

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 6, 2049

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Oct 15, 2018
Property Address	313 PENNIGAR RD, MONROE, NC 28110-6979
Document Number	0007252218
Book / Page	7252 / 218
Map Reference	CAB C FILE 861
Instrument Date	Oct 15, 2018
Instrument	0029010
Transaction Type	Transfer
Record Updated	Dec 14, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$385.00
Amount Accuracy	Rounded by County
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	313 PENNIGAR RD, MONROE, NC 28110-6979

Mortgage

Document Number	0000029011
Date	Oct 15, 2018
Instrument	0029011

Lender

Name	WHITLEY MORTGAGE ASSOCIATES INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

Tax Assessment & Valuation

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		$306,200 (-) Land $78,800 Building $227,400	$306,200 (-) Land $78,800 Building $227,400
2025	$1,556.00 (+3.66%)	$306,200 (+36.51%) Land $78,800 Building $227,400	$306,200 (+36.51%) Land $78,800 Building $227,400
2023	$1,501.00	$224,300 Land $39,300 Building $185,000	$224,300 Land $39,300 Building $185,000

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 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	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 66 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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