409 Columbus Ln, Monroe, NC 28110 Property Records

Union County property record for 409 Columbus Ln, Monroe, NC 28110

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,353 sqft · built 1994
Lot Size	0.95 acres (41,382 sqft)
Owner	2 Individual Names on Record
Last Sale	$238,000 (May 2019)
Tax Bill	$1,648 (2025)
Deeds & Mortgages	Aug 2022 Mortgage May 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-165-166`

Property Details

APN / Parcel Number

Primary APN	`08-165-166`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,353 sqft Living Area
1st Floor Area	1,353 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	41,382 sqft (0.95 acres)

Exterior Amenities

Porch	Slab
Porch Area	65 sqft
Deck Area	168 sqft
Patio Area	168 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	409 COLUMBUS LN
City	MONROE
State	NC
Zip	28110-8291
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	RA-40 UNIO
Legal Description	#13 SECREST HILL PH2 MAP2 OPCD263
Legal Subdivision	SECREST HILL
Legal Lot Number	13
Jurisdiction	UNION NC
Township / Civil Division	GOOSE CREEK
Census Block Group	1
Census Block	1003
Census Tract	20206

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	409 COLUMBUS LN, MONROE, NC 28110-8291
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 9, 2022	Deed of Trust, Mortgage · Conventional Mortgage LOCAL GOVERNMENT FCU
May 22, 2019	Warranty Deed, Transfer · ARM LOCAL GOVERNMENT FCU
Dec 28, 2018	Warranty Deed, Transfer · Conventional Mortgage JOSEPH W JR & SHERRI B HOWARD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 22, 2019 · Amount on Record
Deed Sale	May 22, 2019 · Amount on Record
Prior Sale	Dec 28, 2018 · Amount on Record
Deed Document Number	201913766
Deed Book / Page	7375 / 377
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	409 COLUMBUS LN, MONROE, NC 28110-8291
Transaction Type	Mortgage
Record Updated	Aug 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008544313
Date	Aug 9, 2022
Book Page	8544/313
Instrument	28124

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	May 22, 2019
Property Address	409 COLUMBUS LN, MONROE, NC 28110-8291
Document Number	0007375377
Book / Page	7375 / 377
Map Reference	CAB D FILE 263
Instrument Date	May 21, 2019
Instrument	0013766
Transaction Type	Transfer
Record Updated	Dec 14, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$476.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	863 OLD BELL RD, 863, CHARLOTTE, NC 28270-2707

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 COLUMBUS LN, MONROE, NC 28110-8291

Mortgage

Document Number	0000013767
Date	May 22, 2019
Instrument	0013767

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Change Frequency	5 Years
Index	5-Year CMT
Margin	2
Max Rate	6%

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Dec 28, 2018
Property Address	409 COLUMBUS LN, MONROE, NC 28110-8291
Document Number	7291124
Book / Page	007291 / 000124
Instrument Date	Dec 28, 2018
Instrument	35480
Transaction Type	Transfer
Record Updated	Jan 15, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$290.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	863 OLD BELL RD CHARLOTTE NC 282702707, CHARLOTTE, NC 28270-2707

Mortgage

Document Number	7291126
Date	Dec 28, 2018
Book Page	007291/000126
Instrument	35481

Lender

Name	JOSEPH W JR & SHERRI B HOWARD
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Union County assessment roll, as of March 31, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Union County
Municipality	Unionville Town
Unified School District	Union County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$324,300 (-) Land $56,000 Building $268,300	$324,300 (-) Land $56,000 Building $268,300
2025	$1,648.00 (+1.1%)	$324,300 (+33.13%) Land $56,000 Building $268,300	$324,300 (+33.13%) Land $56,000 Building $268,300
2023	$1,630.00	$243,600 Land $38,000 Building $205,600	$243,600 Land $38,000 Building $205,600

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	0.01% 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 31 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

Cell Coverage

5G (outdoors only) and 4G LTE

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