3705 E Hwy 218, Monroe, NC 28110 Property Records

Union County property record for 3705 E Hwy 218, Monroe, NC 28110

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,990 sqft · built 2004
Lot Size	7.8 acres (339,899 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,323 (2025)
Deeds & Mortgages	Nov 2022 Line of Credit Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-036-019A`

Property Details

APN / Parcel Number

Primary APN	`08-036-019A`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,990 sqft Living Area
1st Floor Area	1,990 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Conventional
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Lot Area	339,899 sqft (7.8 acres)
Garage Type	Detached
Garage Area	1,500 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	170 sqft
Deck Area	42 sqft
Patio Area	42 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	3705 E HIGHWAY 218
City	MONROE
State	NC
Zip	28110-7047
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA-40 UNIO
Legal Description	#1 HELMS HWY 218 & LOVE MILL RD
Legal Subdivision	PROPERTY OF W NEWELL HELMS
Legal Lot Number	1
Jurisdiction	UNION NC
Township / Civil Division	GOOSE CREEK
Census Block Group	1
Census Block	1056
Census Tract	20204

Owner

3705 E Hwy 218 is owned and occupied by two individuals.

Source: Union County records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	3705 E HIGHWAY 218, MONROE, NC 28110-7047
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 15, 2022	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Mar 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Mar 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	3705 E HIGHWAY 218, MONROE, NC 28110-7047
Transaction Type	Mortgage
Record Updated	Dec 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008608531
Date	Nov 15, 2022
Book Page	8608/531
Instrument	38305

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	LOCUST, NC 28097

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	3705 E HIGHWAY 218, MONROE, NC 28110-7047
Transaction Type	Mortgage
Record Updated	Apr 20, 2021
Title Company	AMROCK INC, AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	8043182
Date	Mar 29, 2021
Book Page	8043/182
Instrument	14532

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	337 Months
Due	Apr 1, 2049

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	3705 E HIGHWAY 218, MONROE, NC 28110-7047
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ACCURATE TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	760125
Date	Mar 4, 2020
Book Page	7601/25
Instrument	7247

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Change Frequency	5 Years
Min Rate At Change	3.25%
Index	5-Year CMT
Margin	2
Max Rate	6%

Tax Assessment & Valuation

The 2025 property tax bill for 3705 E Hwy 218 was $2,323.

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		$459,600 (-) Land $167,800 Building $291,800	$459,600 (-) Land $167,800 Building $291,800
2025	$2,323.00	$459,600 Land $167,800 Building $291,800	$459,600 Land $167,800 Building $291,800
2023	$2,237.00	$357,200 Land $73,300 Building $283,900	$357,200 Land $73,300 Building $283,900

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

Flood

FEMA maps place 3705 E Hwy 218 in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 14, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

Wildfire risk around 3705 E Hwy 218 is low, with a 0.01% annual chance of 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 34 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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