405 Annaberg Ln, Monroe, NC 28110 Property Records

Union County property record for 405 Annaberg Ln, Monroe, NC 28110

Property Summary

Property Type	Rural Home
Details	4 bd · 3 ba · 3,445 sqft · built 2005
Lot Size	0.171 acres (7,449 sqft)
Owner	Individual Name on Record
Last Sale	$259,000 (Dec 2005)
Tax Bill	$2,068 (2025)
Deeds & Mortgages	Sep 2023 Mortgage Aug 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09-402-452`

Property Details

APN / Parcel Number

Primary APN	`09-402-452`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	3,445 sqft Living Area
1st Floor Area	1,565 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Conventional
Construction Type	Wood
Roof Type	Gable
Lot Area	7,449 sqft (0.171 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	114 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	405 ANNABERG LN
City	MONROE
State	NC
Zip	28110-8655
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	RA-20 UNIO
Legal Description	#400 ST JOHNS FOREST PH1/MP5 OPCI-327
Legal Subdivision	ST JOHNS FOREST
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	3
Census Block	3006
Census Tract	20308

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	Individual Name on Record
Mailing Address	405 ANNABERG LN, MONROE, NC 28110-8655
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2023	Deed of Trust, Mortgage · VA Mortgage MILEND INC
Aug 13, 2021	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Apr 14, 2020	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS
Jul 19, 2019	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 29, 2005 · Amount on Record
Deed Sale	Dec 29, 2005 · Amount on Record
Deed Document Number	200511775
Deed Book / Page	4026 / 609
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	405 ANNABERG LN, MONROE, NC 28110-8655
Transaction Type	Mortgage
Record Updated	Oct 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008784701
Date	Sep 21, 2023
Book Page	8784/701
Instrument	23015

Lender

Name	MILEND INC
Type	Mortgage Company
Address	ALPHARETTA, GA 30009

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	405 ANNABERG LN, MONROE, NC 28110-8655
Transaction Type	Mortgage
Record Updated	Aug 30, 2021
Title Company	AMROCK INC, AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	8204355
Date	Aug 13, 2021
Book Page	8204/355
Instrument	38245

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	405 ANNABERG LN, MONROE, NC 28110-8655
Document Number	7640863
Instrument Date	Apr 14, 2020
Transaction Type	Mortgage
Record Updated	Jun 15, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 ANNABERG LN MONROE NC 281108655, MONROE, NC 28110-8655

Mortgage

Document Number	7640863
Date	Apr 20, 2020
Book Page	007640/000863
Instrument	13025

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 19, 2050

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	405 ANNABERG LN, MONROE, NC 28110-8655
Document Number	742340
Instrument Date	Jul 19, 2019
Transaction Type	Mortgage
Record Updated	Aug 26, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 ANNABERG LN MONROE NC 281108655, MONROE, NC 28110-8655

Mortgage

Document Number	742340
Date	Jul 25, 2019
Book Page	007423/000040
Instrument	21402

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 24, 2049

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		$472,600 (-) Land $72,400 Building $400,200	$472,600 (-) Land $72,400 Building $400,200
2025	$2,068.00 (+28.29%)	$472,600 (+59.18%) Land $72,400 Building $400,200	$472,600 (+59.18%) Land $72,400 Building $400,200
2023	$1,612.00	$296,900 Land $44,900 Building $252,000	$296,900 Land $44,900 Building $252,000

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	6 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	0.01% annual chance
Exposure	Direct burnable vegetation

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 301 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ripple Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Windstream.

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