Union County property record for 3913 N Rocky River Rd, Monroe, NC 28110
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,363 sqft · built 1979 |
| Lot Size | 1.7 acres (74,183 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $3,000 (Apr 2023) |
| Tax Bill | $2,699 (2025) |
| Deeds & Mortgages | Apr 2023 Sale Apr 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-027-034A |
| Primary APN | 07-027-034A |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,363 sqft Living Area |
| 1st Floor Area | 1,363 sqft |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Foundation Type | Raised |
| Roof Material | Composition Shingle |
| Lot Area | 74,183 sqft (1.7 acres) |
| Deck Area | Deck Area |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 3913 N ROCKY RIVER RD |
|---|---|
| City | MONROE |
| State | NC |
| Zip | 28110-6901 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-40 MONRO |
| Legal Description | 7319-068; LESS 8688-0343 |
| Jurisdiction | UNION NC |
| Township / Civil Division | VANCE |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 20321 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 3913 N ROCKY RIVER RD, MONROE, NC 28110-6901 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 13, 2023 | Special Warranty Deed, Transfer |
| Apr 28, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ARVEST BANK |
| Feb 25, 2019 | Warranty Deed, Transfer · Conventional with PMI FIRST CITIZENS BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 13, 2023 · Amount on Record |
| Deed Sale | Apr 13, 2023 · Amount on Record |
| Prior Sale | Feb 25, 2019 · Amount on Record |
| Deed Document Number | 20238434 |
| Deed Book / Page | 8688 / 343 |
| Prior Transfer Date | May 9, 2005 |
| Prior Transfer Doc | 3793319 |
| Record Updated | Oct 29, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Apr 13, 2023 |
| Property Address | 3913 N ROCKY RIVER RD, MONROE, NC 28110-6901 |
| Document Number | 0008688343 |
| Book / Page | 8688 / 343 |
| Instrument Date | Mar 26, 2022 |
| Instrument | 8434 |
| Transaction Type | Transfer |
| Record Updated | May 8, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $6.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3913 N ROCKY RIVER RD, MONROE, NC 28110-6901 |
| Name | Verified Name |
|---|---|
| Address | 11121 CARMEL COMMONS BLVD STE 450, 450, CHARLOTTE, NC 28226-4498 |
| Investor | Possibly a Property Investor |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 3913 N ROCKY RIVER RD, MONROE, NC 28110-6901 |
| Transaction Type | Mortgage |
| Record Updated | Dec 14, 2021 |
| Title Company | SOLIDIFI TITLE AND CLOSING, SOLIDIFI TITLE & CLOSING LLC |
| Name | Verified Name |
|---|
| Document Number | 0008081291 |
|---|---|
| Date | Apr 28, 2021 |
| Book Page | 8081/291 |
| Instrument | 20017 |
| Name | ARVEST BANK |
|---|---|
| Type | Bank |
| Address | LOWELL, AR 72745 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | May 1, 2041 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Feb 25, 2019 |
| Property Address | 3913 N ROCKY RIVER RD, MONROE, NC 28110-6901 |
| Document Number | 731968 |
| Book / Page | 007319 / 000068 |
| Instrument Date | Feb 25, 2019 |
| Instrument | 4642 |
| Transaction Type | Transfer |
| Record Updated | Mar 14, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $350.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3913 N ROCKY RIVER RD MONROE NC 281106901, MONROE, NC 28110-6901 |
| Document Number | 731971 |
|---|---|
| Date | Feb 25, 2019 |
| Book Page | 007319/000071 |
| Instrument | 4643 |
| Name | FIRST CITIZENS BK |
|---|---|
| Type | Bank |
| Address | COLUMBIA, SC 29211 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 24, 2049 |
Source: Union County assessment roll, as of March 31, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Union County |
| Municipality | Monroe City |
| Unified School District | Union County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $308,800 (-) Land $297,200 Building $11,600 | $308,800 (-) Land $297,200 Building $11,600 | |
| 2025 | $2,699.00 (+42.35%) | $308,800 (+77.57%) Land $297,200 Building $11,600 | $308,800 (+77.57%) Land $297,200 Building $11,600 |
| 2023 | $1,896.00 | $173,900 Land $42,500 Building $131,400 | $173,900 Land $42,500 Building $131,400 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (2023) |
| Most Recent Claim | Sep 2023 · rainfall accumulation |
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 95% of the US · lower than 97.4% of North Carolina |
|---|---|
| Wildfire Likelihood | Under 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 | CITY OF MONROE serves 43,081 people · EPA ID NC0190010 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Nov 2025 |
| Lead | Under 1 ppb (2026–2028) action level 15 ppb |
| Water Quality | E. coli resolved · Aug 2025 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 4 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 16 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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