Union County property record for 3316 Lucy Dr, Monroe, NC 28110
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,096 sqft · built 2007 |
| Lot Size | 0.11 acres (4,792 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $390,000 (Jun 2023) |
| Tax Bill | $3,166 (2025) |
| Deeds & Mortgages | Jun 2023 Sale & Mortgage May 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-298-299 |
| Primary APN | 09-298-299 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 2,096 sqft Living Area |
| 1st Floor Area | 1,048 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Architectural Style | Conventional |
| Construction Type | Wood |
| Roof Type | Gable |
| Lot Area | 4,792 sqft (0.11 acres) |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 128 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3316 LUCY DR |
|---|---|
| City | MONROE |
| State | NC |
| Zip | 28110-6447 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | CD MONROE |
| Legal Description | #11 WOODLANDS CREEK PH1 OPCJ940 |
| Legal Subdivision | WOODLANDS CREEK |
| Jurisdiction | UNION NC |
| Township / Civil Division | MONROE |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 20401 |
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 | 3316 LUCY DR, MONROE, NC 28110-6447 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 26, 2023 | Warranty Deed, Transfer · Conventional Mortgage FOUNDERS FCU |
| May 20, 2022 | Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE |
| Mar 23, 2017 | Warranty Deed, Transfer · FHA Mortgage UWHARRIE BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 26, 2023 · Amount on Record |
| Deed Sale | Jun 26, 2023 · Amount on Record |
| Prior Sale | May 20, 2022 · Amount on Record |
| Deed Document Number | 202315220 |
| Deed Book / Page | 8733 / 430 |
| Prior Transfer Date | Mar 23, 2017 |
| Prior Transfer Doc | 6898878 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Jun 26, 2023 |
| Property Address | 3316 LUCY DR, MONROE, NC 28110-6447 |
| Document Number | 0008733430 |
| Book / Page | 8733 / 430 |
| Map Reference | CAB J FILE 940 |
| Instrument Date | Jun 26, 2023 |
| Instrument | 15220 |
| Transaction Type | Transfer |
| Record Updated | Jul 13, 2023 |
| Title Company | INVESTOR TITLE INSURANCE COMPANY, INVESTORS TITLE INSURANCE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $780.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5009 KATHERINE ANTOON CIR, WAXHAW, NC 28173-9056 |
| Name | Verified Name |
|---|---|
| Address | 3316 LUCY DR, MONROE, NC 28110-6447 |
| Document Number | 0000015221 |
|---|---|
| Date | Jun 26, 2023 |
| Instrument | 15221 |
| Name | FOUNDERS FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 5, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.25% |
| Type Change Date | Jul 1, 2038 |
| Change Frequency | 10 Years |
| Min Rate At Change | 3% |
| Max Rate At Change | 12.2% |
| Index | Other |
| Max Rate | 12.2% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | May 20, 2022 |
| Property Address | 3316 LUCY DR, MONROE, NC 28110-6447 |
| Document Number | 0008482668 |
| Book / Page | 8482 / 668 |
| Map Reference | CAB J FILE 940 |
| Instrument Date | May 20, 2022 |
| Instrument | 18529 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $820.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0000018530 |
|---|---|
| Date | May 20, 2022 |
| Instrument | 18530 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Mar 23, 2017 |
| Property Address | 3316 LUCY DR, MONROE, NC 28110-6447 |
| Document Number | 0006898878 |
| Book / Page | 6898 / 878 |
| Map Reference | CAB J FILE 940 |
| Instrument Date | Mar 23, 2017 |
| Instrument | 0007923 |
| Transaction Type | Transfer |
| Record Updated | Dec 14, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $470.00 |
| Amount Accuracy | Rounded by County |
| Name | Verified Name |
|---|---|
| Address | 2404 WEDGEWOOD DR, 2404, SALISBURY, NC 28146-7861 |
| Name | Verified Name |
|---|
| Document Number | 0000007924 |
|---|---|
| Date | Mar 23, 2017 |
| Instrument | 0007924 |
| Name | UWHARRIE BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2047 |
Source: Union County assessment roll, as of March 31, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Union County |
| Municipality | Monroe City |
| Unified School District | Union County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $362,200 (-) Land $82,000 Building $280,200 | $362,200 (-) Land $82,000 Building $280,200 | |
| 2025 | $3,166.00 (+9.85%) | $362,200 (+37.04%) Land $82,000 Building $280,200 | $362,200 (+37.04%) Land $82,000 Building $280,200 |
| 2023 | $2,882.00 (+117.02%) | $264,300 (-) Land $47,500 Building $216,800 | $264,300 (-) Land $47,500 Building $216,800 |
| 2022 | $1,328.00 | $264,300 Land $47,500 Building $216,800 | $264,300 Land $47,500 Building $216,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 1 in force |
| Nearby Flood Claims | 1 (2018) |
| Most Recent Claim | Sep 2018 · Hurricane Florence |
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 119 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Ripple Fiber Fiber | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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