Union County property record for 3909 Morgan Mill Rd, Monroe, NC 28110
| Property Type | Other Improved |
|---|---|
| Details | 5 bd · 3.5 ba · 4,257 sqft · built 2019 |
| Lot Size | 2.42 acres (105,415 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $52,000 (Jul 2018) |
| Tax Bill | $5,331 (2025) |
| Deeds & Mortgages | Aug 2023 Line of Credit Aug 2019 Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-099-006D |
| Primary APN | 09-099-006D |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 4,257 sqft Living Area |
| 1st Floor Area | 2,889 sqft |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Brick |
| Lot Area | 105,415 sqft (2.42 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3909 MORGAN MILL RD |
|---|---|
| City | MONROE |
| State | NC |
| Zip | 28110-7517 |
| Property Category | Other |
| Property Type | Other > Other Improved |
| Local Zoning Code | RA-40 UNIO |
| Legal Description | #4 OPCN641 |
| Legal Subdivision | THE PROPERTY OF THE OLBOS GROUP LLC |
| Jurisdiction | UNION NC |
| Township / Civil Division | MONROE |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 20206 |
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 | 819 SKYWATCH LN, MONROE, NC 28112-7749 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 11, 2023 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Aug 5, 2019 | Trustee's Deed, Construction Loan · Construction Mortgage STATE EMPS CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 19, 2018 · Amount on File |
| Deed Sale | Jul 19, 2018 · Amount on File |
| Deed Document Number | 201819913 |
| Deed Book / Page | 7198 / 616 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 3909 MORGAN MILL RD, MONROE, NC 28110-7517 |
| Transaction Type | Mortgage |
| Record Updated | Mar 31, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0008761333 |
|---|---|
| Date | Aug 11, 2023 |
| Book Page | 8761/333 |
| Instrument | 19457 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Aug 5, 2019 |
| Property Address | 3909 MORGAN MILL RD, MONROE, NC 28110-7517 |
| Book / Page | 007432 / 000825 |
| Instrument Date | Aug 2, 2019 |
| Instrument | 22812 |
| Transaction Type | Construction Loan |
| Record Updated | Aug 31, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 3909 MORGAN MILL RD MONROE NC 28110, MONROE, NC 28110 |
| Document Number | 7432825 |
|---|---|
| Date | Aug 5, 2019 |
| Book Page | 007432/000825 |
| Instrument | 22812 |
| Name | STATE EMPS CU |
|---|---|
| Address | RALEIGH, NC 27611-5279 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 4, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.87% |
Source: Union County assessment roll, as of March 31, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Union County |
| Municipality | Unionville Town |
| Unified School District | Union County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,049,000 (-) Land $100,400 Building $948,600 | $1,049,000 (-) Land $100,400 Building $948,600 | |
| 2025 | $5,331.00 (+15.41%) | $1,049,000 (+52.01%) Land $100,400 Building $948,600 | $1,049,000 (+52.01%) Land $100,400 Building $948,600 |
| 2023 | $4,619.00 | $690,100 Land $47,200 Building $642,900 | $690,100 Land $47,200 Building $642,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 | None beyond ember reach |
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 23 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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