3409 Sincerity Rd, Monroe, NC 28110 Property Records

Union County property record for 3409 Sincerity Rd, Monroe, NC 28110

Property Summary

Property Type	Single Family Home
Details	2,201 sqft · built 2021
Lot Size	1.05 acres (45,782 sqft)
Owner	2 Individual Names on Record
Last Sale	$422,000 (Feb 2022)
Tax Bill	$2,547 (2025)
Deeds & Mortgages	Jan 2025 Line of Credit Sep 2024 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-078-045`

Property Details

APN / Parcel Number

Primary APN	`08-078-045`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	2,201 sqft Total Area
1st Floor Area	1,860 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Brick
Lot Area	45,782 sqft (1.05 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3409 SINCERITY RD
City	MONROE
State	NC
Zip	28110-0652
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 15 SABELLA ESTATES, MAP 1, OPCP718-720
Legal Subdivision	SABELLA ESTATES SUBDIVISION
Legal Lot Number	15
Jurisdiction	UNION NC
Township / Civil Division	GOOSE CREEK
Census Block Group	3
Census Block	3035
Census Tract	20100

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	3409 SINCERITY RD, MONROE, NC 28110-0652
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jan 10, 2025	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Sep 24, 2024	Intrafamily Transfer, Transfer
Feb 15, 2022	Warranty Deed, Transfer · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 15, 2022 · Amount on Record
Deed Sale	Feb 15, 2022 · Amount on Record
Deed Document Number	20225785
Deed Book / Page	8399 / 792
Last Transfer Date	Sep 23, 2024
Transfer Doc	0008980233
Record Updated	Oct 29, 2026

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	3409 SINCERITY RD, MONROE, NC 28110-0652
Transaction Type	Mortgage
Record Updated	Mar 31, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3409 SINCERITY RD, MONROE, NC 28110-0652

Mortgage

Document Number	0009043623
Date	Jan 10, 2025
Book Page	9043/623
Instrument	658

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	Feb 1, 2065

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	UNION NC
Recording Date	Sep 24, 2024
Property Address	3409 SINCERITY RD, MONROE, NC 28110-0652
Document Number	0008980233
Book / Page	8980 / 233
Map Reference	CAB P FILE 718
Instrument Date	Sep 23, 2024
Instrument	22742
Transaction Type	Transfer
Record Updated	Mar 31, 2026

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	3409 SINCERITY RD, MONROE, NC 28110-0652

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Feb 15, 2022
Property Address	3409 SINCERITY RD, MONROE, NC 28110-0652
Document Number	0008399792
Book / Page	8399 / 792
Map Reference	CAB B FILE 718
Instrument Date	Feb 15, 2022
Instrument	5785
Transaction Type	Transfer
Record Updated	Mar 31, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$844.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3409 SINCERITY RD, MONROE, NC 28110-0652

Mortgage

Document Number	0000005786
Date	Feb 15, 2022
Instrument	5786

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

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		$566,900 (-) Land $95,000 Building $471,900	$566,900 (-) Land $95,000 Building $471,900
2025	$2,547.00 (+9.6%) Additional exemption filed	$566,900 (+58.4%) Land $95,000 Building $471,900	$566,900 (+58.4%) Land $95,000 Building $471,900
2023	$2,324.00	$357,900 Land $48,000 Building $309,900	$357,900 Land $48,000 Building $309,900

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 40 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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