3407 Tom Starnes Rd, Monroe, NC 28112 Property Records

Union County property record for 3407 Tom Starnes Rd, Monroe, NC 28112 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,903 sqft · built 2006
Lot Size	8.04 acres (350,484 sqft)
Owner	2 Individual Names on File
Last Sale	$489,000 (Nov 2020)
Tax Bill	$3,411 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-291-004E`

Property Details

APN / Parcel Number

Primary APN	`04-291-004E`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,903 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Conventional
Construction Type	Wood
Foundation Type	No Foundation
Roof Type	Gable
Lot Area	350,484 sqft (8.04 acres)
Garage Type	Detached
Garage Area	1,456 sqft
Parking Spaces	6 Parking Spaces
Porch	Slab
Porch Area	793 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	3407 TOM STARNES RD
City	MONROE
State	NC
Zip	28112-9546
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	#2 OPCG955
Legal Subdivision	1409900; #2
Legal Lot Number	2
Jurisdiction	UNION NC
Township / Civil Division	BUFORD
Census Block Group	2
Census Block	2032
Census Tract	20902

Owner

Source: Union County records · APN 04-291-004E

Assessment roll updated March 31, 2026 · Last verified April 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 File
Mailing Address	3407 TOM STARNES RD, MONROE, NC 28112-9546
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 19, 2025	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Nov 24, 2020	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 24, 2020 · Amount on Record
Deed Sale	Nov 24, 2020 · Amount on Record
Prior Sale	Jan 12, 2011
Deed Document Number	202048907
Deed Book / Page	7898 / 368
Record Updated	Jun 08, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	3407 TOM STARNES RD, MONROE, NC 28112-9546
Transaction Type	Mortgage
Record Updated	Jan 09, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3407 TOM STARNES RD, MONROE, NC 28112-9546

Mortgage

Document Number	0009271406
Date	Dec 19, 2025
Book Page	9271/406
Instrument	33896

Lender

Name	COASTAL COMMUNITY BANK
Type	Bank
Address	CAMPBELL, CA 95008

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Nov 24, 2020
Property Address	3407 TOM STARNES RD, MONROE, NC 28112-9546
Document Number	0007898368
Book / Page	7898 / 368
Map Reference	PL G FILE 955
Instrument Date	Nov 24, 2020
Instrument	48907
Transaction Type	Transfer
Record Updated	Dec 14, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$978.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3407 TOM STARNES RD, MONROE, NC 28112-9546

Mortgage

Document Number	0000048908
Date	Nov 24, 2020
Instrument	48908

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2050

Tax Assessment & Valuation

Source: Union County records · Assessment roll updated March 31, 2026 · Last verified April 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,411.00 (+23.77%)	$740,200 (+66.75%) Land $160,400 Building $579,800	$740,200 (+66.75%) Land $160,400 Building $579,800
2023	$2,756.00	$443,900 Land $66,800 Building $377,100	$443,900 Land $66,800 Building $377,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Union County (37179C), updated September 14, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 24% of North Carolina
Wildfire Likelihood	About 1 in 5,556 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 25 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
T-Mobile USA	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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