402 Three Knotts Rd, Monroe, NC 28112 Property Records

Union County property record for 402 Three Knotts Rd, Monroe, NC 28112

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,775 sqft · built 1985
Lot Size	18 acres (784,080 sqft)
Owner	2 Individual Names on Record
Last Sale	$470,000 (Oct 2019)
Tax Bill	$3,786 (2025)
Deeds & Mortgages	Oct 2023 Mortgage Oct 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-204-039`

Property Details

APN / Parcel Number

Primary APN	`09-204-039`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	3,775 sqft Living Area
Gross Area	4,552 sqft
1st Floor Area	3,775 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Conventional
Exterior Material	Combination
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	784,080 sqft (18 acres)
Garage Type	Attached
Garage Area	1,036 sqft
Parking Spaces	4 Parking Spaces
Porch	Porch
Porch Area	352 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	402 THREE KNOTTS RD
City	MONROE
State	NC
Zip	28112-9447
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-20 MONRO
Legal Description	7499-172
Legal Subdivision	1409900
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	3
Census Block	3013
Census Tract	20602

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	402 THREE KNOTTS RD, MONROE, NC 28112-9447
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 12, 2023	Deed of Trust, Mortgage · Conventional Mortgage OCMBC INC
Oct 25, 2019	Warranty Deed, Transfer · Conventional Mortgage HOMEXPRESS MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 25, 2019 · Amount on Record
Deed Sale	Oct 25, 2019 · Amount on Record
Deed Document Number	201932945
Deed Book / Page	7499 / 172
Prior Transfer Date	Sep 12, 2011
Prior Transfer Doc	5591874
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	402 THREE KNOTTS RD, MONROE, NC 28112-9447
Transaction Type	Mortgage
Record Updated	Oct 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	402 THREE KNOTTS RD, MONROE, NC 28112-9447

Mortgage

Document Number	0000879623
Date	Oct 12, 2023
Book Page	8796/23
Instrument	24869

Lender

Name	OCMBC INC
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Oct 25, 2019
Property Address	402 THREE KNOTTS RD, MONROE, NC 28112-9447
Document Number	0007499172
Book / Page	7499 / 172
Instrument Date	Oct 8, 2019
Instrument	0032945
Transaction Type	Transfer
Record Updated	Dec 14, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$940.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8001 ALBRECHT CIR, 8001, LOUISVILLE, KY 40241-5525

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	402 THREE KNOTTS RD, MONROE, NC 28112-9447

Mortgage

Document Number	0000032946
Date	Oct 25, 2019
Instrument	0032946

Lender

Name	HOMEXPRESS MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	6.87%
Type Change Date	Nov 1, 2024
Change Frequency	Annually
Min Rate At Change	6.87%
Max Rate At Change	8.87%
Index	1-Year LIBOR
Max Rate	11.8%

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		$838,600 (-) Land $221,300 Building $617,300	$838,600 (-) Land $221,300 Building $617,300
2025	$3,786.00 (+17.4%)	$838,600 (+58.08%) Land $221,300 Building $617,300	$838,600 (+58.08%) Land $221,300 Building $617,300
2023	$3,225.00	$530,500 Land $121,900 Building $408,600	$530,500 Land $121,900 Building $408,600

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	0.03% 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 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 35
Starlink Satellite	280 / 30

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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