Union County property record for 3318 Prickly Pear Dr, Monroe, NC 28110
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,237 sqft · built 2022 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $418,000 (Apr 2023) |
| Tax Bill | $3,730 (2025) |
| Deeds & Mortgages | Nov 2024 Mortgage Aug 2025 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-213-216 |
| Primary APN | 09-213-216 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,237 sqft Living Area |
| 1st Floor Area | 1,649 sqft |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Lot Area | 6,970 sqft (0.16 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3318 PRICKLY PEAR DR |
|---|---|
| City | MONROE |
| State | NC |
| Zip | 28110-7176 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | #164 SIMPSON FARMS MP2 OPCQ485-490 |
| Legal Subdivision | SIMPSON FARMS SUBDIVISION MAP 2 |
| Jurisdiction | UNION NC |
| Township / Civil Division | MONROE |
| Census Block Group | 1 |
| Census Block | 1032 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 3318 PRICKLY PEAR DR, MONROE, NC 28110-7176 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 26, 2024 | Deed of Trust, Mortgage · VA Mortgage INDEPENDENCE HOME LOANS LLC |
| Aug 21, 2025 | Deed of Trust, Mortgage · VA Mortgage INDEPENDENCE HOME LOANS LLC |
| Apr 5, 2023 | Special Warranty Deed, Subdivision Related Transfer · VA Mortgage LOANDEPOT.COM LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 5, 2023 · Amount on Record |
| Deed Sale | Apr 5, 2023 · Amount on Record |
| Deed Document Number | 20237806 |
| Deed Book / Page | 8684 / 421 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 3318 PRICKLY PEAR DR, MONROE, NC 28110-7176 |
| Transaction Type | Mortgage |
| Record Updated | Mar 31, 2026 |
| Title Company | UNISOURCE NATIONAL LENDER SERVICES LL, UNISOURCE NATL LENDER SVCS |
| Name | Verified Name |
|---|---|
| Address | 3318 PRICKLY PEAR DR, MONROE, NC 28110-7176 |
| Document Number | 0009019750 |
|---|---|
| Date | Nov 26, 2024 |
| Book Page | 9019/750 |
| Instrument | 28339 |
| Name | INDEPENDENCE HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | SCOTTSDALE, AZ 85257 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 325 Months |
| Due | Dec 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 3318 PRICKLY PEAR DR, MONROE, NC 28110-7176 |
| Transaction Type | Mortgage |
| Record Updated | Mar 31, 2026 |
| Title Company | UNISOURCE NATIONAL LENDER SERVICES LL, UNISOURCE NATL LENDER SVCS |
| Name | Verified Name |
|---|---|
| Address | 3318 PRICKLY PEAR DR, MONROE, NC 28110-7176 |
| Document Number | 0009183537 |
|---|---|
| Date | Aug 21, 2025 |
| Book Page | 9183/537 |
| Instrument | 21499 |
| Name | INDEPENDENCE HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | SCOTTSDALE, AZ 85251 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2055 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Apr 5, 2023 |
| Property Address | 3318 PRICKLY PEAR DR, MONROE, NC 28110-7176 |
| Document Number | 0008684421 |
| Book / Page | 8684 / 421 |
| Map Reference | CAB Q FILE 485 |
| Instrument Date | Mar 24, 2023 |
| Instrument | 7806 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Mar 31, 2026 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $836.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8800 E RAINTREE DR # DR300, DR300, SCOTTSDALE, AZ 85260-3957 |
| Name | Verified Name |
|---|---|
| Address | 3318 PRICKLY PEAR DR, MONROE, NC 28110-7176 |
| Document Number | 0000007807 |
|---|---|
| Date | Apr 5, 2023 |
| Instrument | 7807 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2053 |
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 | $426,700 (-) Land $88,000 Building $338,700 | $426,700 (-) Land $88,000 Building $338,700 | |
| 2025 | $3,730.00 (+85.76%) | $426,700 (+131.65%) Land $88,000 Building $338,700 | $426,700 (+131.65%) Land $88,000 Building $338,700 |
| 2023 | $2,008.00 | $184,200 Land $47,500 Building $136,700 | $184,200 Land $47,500 Building $136,700 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 |
| Nearby Flood Claims | 1 (2020) |
| Most Recent Claim | Feb 2020 · other causes |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 102 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Ripple Fiber Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| AT&T Fixed Wireless | 100 / 20 |
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