321 Pennigar Rd, Monroe, NC 28110 Property Records

Union County property record for 321 Pennigar Rd, Monroe, NC 28110

Property Summary

Property Type	Rural Home
Lot Size	2.43 acres (105,851 sqft)
Owner	2 Individual Names on Record
Last Sale	$312,000 (Sep 2018)
Tax Bill	$496 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit Sep 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-237-018B`

Property Details

APN / Parcel Number

Primary APN	`08-237-018B`

Exterior

Lot Area	105,851 sqft (2.43 acres)

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	321 PENNIGAR RD
City	MONROE
State	NC
Zip	28110-6979
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	RA-40 UNIO
Legal Description	#3 JORDAN OPCC861
Legal Subdivision	DAVID JORDAN PROPERTY
Legal Lot Number	3
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 March 31, 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	321 PENNIGAR RD, MONROE, NC 28110-6979
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 3, 2023	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Sep 26, 2018	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 26, 2018 · Amount on Record
Deed Sale	Sep 26, 2018 · Amount on Record
Deed Document Number	201827230
Deed Book / Page	7241 / 590
Record Updated	Jun 8, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	321 PENNIGAR RD, MONROE, NC 28110-6979
Transaction Type	Mortgage
Record Updated	Oct 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000879123
Date	Oct 3, 2023
Book Page	8791/23
Instrument	24080

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Sep 26, 2018
Property Address	321 PENNIGAR RD, MONROE, NC 28110-6979
Document Number	0007241590
Book / Page	7241 / 590
Map Reference	CAB C FILE 861
Instrument Date	Sep 26, 2018
Instrument	0027230
Transaction Type	Transfer
Record Updated	Aug 24, 2022
Title Company	MASTER TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$624.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	321 PENNIGAR RD, 321, MONROE, NC 28110-6979

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000027231
Date	Sep 26, 2018
Instrument	0027231

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 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
2025	$496.00 (+50.3%)	$97,700 (+97.77%) Land $92,900 Building $4,800	$97,700 (+97.77%) Land $92,900 Building $4,800
2023	$330.00	$49,400 Land $45,200 Building $4,200	$49,400 Land $45,200 Building $4,200

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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

Nearby Properties on Pennigar Rd

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