323 Sara Ln, Monroe, NC 28112 Property Records

Union County property record for 323 Sara Ln, Monroe, NC 28112

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,754 sqft · built 1979
Lot Size	9.19 acres (400,316 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,475 (2025)
Deeds & Mortgages	Oct 2025 Transfer Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-168-013`

Property Details

APN / Parcel Number

Primary APN	`04-168-013`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	2,754 sqft Living Area
1st Floor Area	1,986 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Exterior Material	Wood Siding
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	400,316 sqft (9.19 acres)
Garage Type	Detached
Garage Area	240 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	432 sqft
Deck Area	294 sqft
Patio Area	294 sqft
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	323 SARA LN
City	MONROE
State	NC
Zip	28112-9543
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-40 UNION
Legal Description	#5 ORMAND OPCA075A
Legal Subdivision	ORMAND
Jurisdiction	UNION NC
Township / Civil Division	BUFORD
Census Block Group	2
Census Block	2033
Census Tract	20502

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	323 SARA LN, MONROE, NC 28112-9543
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 13, 2025	Intrafamily Transfer, Transfer
Apr 20, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage INTERCONTINENTAL CAPITAL GROUP INC
Mar 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Mar 30, 2021
Transfer Doc	8070536
Record Updated	Oct 29, 2026

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	UNION NC
Recording Date	Oct 13, 2025
Property Address	323 SARA LN, MONROE, NC 28112-9543
Document Number	0009220174
Book / Page	9220 / 174
Map Reference	CAB A FILE 75A
Instrument Date	Oct 10, 2025
Instrument	26619
Transaction Type	Transfer
Record Updated	Oct 24, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	323 SARA LN, MONROE, NC 28112-9543

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	UNION NC
Recording Date	Apr 20, 2021
Property Address	323 SARA LN, MONROE, NC 28112-9543
Document Number	0008070536
Book / Page	8070 / 536
Map Reference	CAB A FILE 75-A
Instrument Date	Mar 30, 2021
Instrument	18440
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	TIMIOS INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	323 SARA LN, MONROE, NC 28112-9543
Investor	Possibly a Property Investor

Mortgage

Document Number	0000018441
Date	Apr 20, 2021
Instrument	18441

Lender

Name	INTERCONTINENTAL CAPITAL GROUP INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	323 SARA LN, MONROE, NC 28112-9543
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE GUARANTY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7614351
Date	Mar 20, 2020
Book Page	7614/351
Instrument	9339

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Feb 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Feb 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.25%
Index	1-Year LIBOR
Max Rate	9.62%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$548,200 (-) Land $159,200 Building $389,000	$548,200 (-) Land $159,200 Building $389,000
2025	$2,475.00 (+25.95%)	$548,200 (+70.41%) Land $159,200 Building $389,000	$548,200 (+70.41%) Land $159,200 Building $389,000
2024	$1,965.00 (+0.51%)	$321,700 (-) Land $69,500 Building $252,200
2023	$1,955.00	$321,700 Land $69,500 Building $252,200	$321,700 (-) Land $69,500 Building $252,200
2021			$321,700 Land $69,500 Building $252,200

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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 35 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

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