3905 Austin Rd, Monroe, NC 28112 Property Records

Union County property record for 3905 Austin Rd, Monroe, NC 28112

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,260 sqft · built 1991
Lot Size	3.03 acres (131,987 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,516 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Dec 2019 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`04-174-001A`

Property Details

APN / Parcel Number

Primary APN	`04-174-001A`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,260 sqft Living Area
1st Floor Area	1,260 sqft

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	131,987 sqft (3.03 acres)
Garage Type	Detached
Garage Area	870 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	744 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	3905 AUSTIN RD
City	MONROE
State	NC
Zip	28112-8277
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA-40 UNIO
Legal Description	3.03A OPCN479
Legal Tract	3
Jurisdiction	UNION NC
Township / Civil Division	BUFORD
Census Block Group	1
Census Block	1001
Census Tract	20902

Owner

3905 Austin Rd is owned and occupied by two individuals who acquired it in November 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	3905 AUSTIN RD, MONROE, NC 28112-8277
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2021	Deed of Trust, Mortgage · FHA Mortgage JFQ LENDING INC
Dec 12, 2019	Deed of Trust, Mortgage · FHA Mortgage JFQ LENDING INC
Nov 16, 2020	Intrafamily Transfer, Transfer · FHA Mortgage JFQ LENDING INC
Apr 12, 2019	Warranty Deed, Transfer · FHA Mortgage PRIME LNDG
Aug 24, 2018	Deed of Trust, Mortgage · Conventional Mortgage PERRY BUNDY PLYLER & LONG LLP
Aug 7, 2017	Warranty Deed, Transfer PINK TITLE LLC, THINK TITLE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 16, 2020
Deed Sale	Nov 16, 2020
Prior Sale	Apr 12, 2019 · Amount on File
Deed Document Number	202047350
Deed Book / Page	7887 / 330
Prior Transfer Date	Nov 9, 2020
Prior Transfer Doc	7887330
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	3905 AUSTIN RD, MONROE, NC 28112-8277
Transaction Type	Mortgage
Record Updated	Oct 22, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	8271557
Date	Oct 7, 2021
Book Page	8271/557
Instrument	47927

Lender

Name	JFQ LENDING INC
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85256

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	3905 AUSTIN RD, MONROE, NC 28112-8277
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7538820
Date	Dec 12, 2019
Book Page	7538/820
Instrument	0038941

Lender

Name	JFQ LENDING INC
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85254

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

November 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	UNION NC
Recording Date	Nov 16, 2020
Property Address	3905 AUSTIN RD, MONROE, NC 28112-8277
Document Number	0007887330
Book / Page	7887 / 330
Instrument Date	Nov 9, 2020
Instrument	47350
Transaction Type	Transfer
Record Updated	Dec 14, 2021

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	3905 AUSTIN RD, MONROE, NC 28112-8277

Mortgage

Document Number	0000047351
Date	Nov 16, 2020
Instrument	47351

Lender

Name	JFQ LENDING INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Apr 12, 2019
Property Address	3905 AUSTIN RD, MONROE, NC 28112-8277
Document Number	7348484
Book / Page	007348 / 000484
Instrument Date	Apr 12, 2019
Instrument	9483
Transaction Type	Transfer
Record Updated	Jun 4, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$370.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3905 AUSTIN RD MONROE NC 281128277, MONROE, NC 28112-8277

Mortgage

Document Number	7348486
Date	Apr 12, 2019
Book Page	007348/000486
Instrument	9484

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 11, 2049

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	3905 AUSTIN RD, MONROE, NC 28112-8277
Document Number	7222789
Instrument Date	Aug 24, 2018
Transaction Type	Mortgage
Record Updated	Sep 28, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	3905 AUSTIN RD MONROE NC 281128277, MONROE, NC 28112-8277

Mortgage

Document Number	7222789
Date	Aug 24, 2018
Book Page	007222/000789
Instrument	24118

Lender

Name	PERRY BUNDY PLYLER & LONG LLP
Address	PO BOX 7, MONROE, NC 28111-0007

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Aug 23, 2023

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Aug 7, 2017
Property Address	3905 AUSTIN RD, MONROE, NC 28112-8277
Document Number	6989391
Book / Page	006989 / 000391
Instrument Date	Aug 4, 2017
Instrument	22691
Transaction Type	Transfer
Record Updated	Oct 30, 2017
Title Company	PINK TITLE LLC, THINK TITLE LLC

Transaction

Amount	Amount on Record
Tax	$355.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3905 AUSTIN RD MONROE NC 281128277, MONROE, NC 28112-8277

Tax Assessment & Valuation

The 2025 property tax bill for 3905 Austin Rd was $1,516.

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		$329,100 (-) Land $82,000 Building $247,100	$329,100 (-) Land $82,000 Building $247,100
2025	$1,516.00	$329,100 Land $82,000 Building $247,100	$329,100 Land $82,000 Building $247,100
2023	$1,172.00	$188,900 Land $36,100 Building $152,800	$188,900 Land $36,100 Building $152,800

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

Flood

FEMA maps place 3905 Austin Rd 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 3905 Austin Rd is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 95% of North Carolina
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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 18 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

Nearby Properties on Austin Rd

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