409 E Village Dr, Monroe, NC 28112 Property Records

Union County property record for 409 E Village Dr, Monroe, NC 28112

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,292 sqft · built 2005
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Last Sale	$160,000 (Sep 2017)
Tax Bill	$2,460 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-087-048`

Property Details

APN / Parcel Number

Primary APN	`09-087-048`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,292 sqft Living Area
1st Floor Area	1,292 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	84 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	409 E VILLAGE DR
City	MONROE
State	NC
Zip	28112-8195
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R-10SU MON
Legal Description	#32 EAST VILLAGE PH1 OPCI-425
Legal Subdivision	EAST VILLAGE
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	2
Census Block	2038
Census Tract	20601

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	409 E VILLAGE DR, MONROE, NC 28112-8195
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Feb 18, 2021	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Sep 8, 2017	Warranty Deed, Transfer · FHA Mortgage AMERICAN SECURITY MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 8, 2017 · Amount on Record
Deed Sale	Sep 8, 2017 · Amount on Record
Prior Sale	Mar 8, 2006 · Amount on Record
Deed Document Number	201726521
Deed Book / Page	7011 / 793
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	409 E VILLAGE DR, MONROE, NC 28112-8195
Transaction Type	Mortgage
Record Updated	Dec 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008332602
Date	Dec 3, 2021
Book Page	8332/602
Instrument	57028

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2051

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	409 E VILLAGE DR, MONROE, NC 28112-8195
Transaction Type	Mortgage
Record Updated	Mar 10, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 E VILLAGE DR, MONROE, NC 28112-8195

Mortgage

Document Number	7994399
Date	Feb 18, 2021
Book Page	7994/399
Instrument	7611

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	320 Months
Due	Oct 1, 2047

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Sep 8, 2017
Property Address	409 E VILLAGE DR, MONROE, NC 28112-8195
Document Number	0007011793
Book / Page	7011 / 793
Map Reference	CAB I FILE 425
Instrument Date	Aug 23, 2017
Instrument	0026521
Transaction Type	Transfer
Record Updated	Dec 14, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$320.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5822 CACTUS VALLEY RD, 5822, CHARLOTTE, NC 28277-3666

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 E VILLAGE DR, MONROE, NC 28112-8195

Mortgage

Document Number	0000026522
Date	Sep 8, 2017
Instrument	0026522

Lender

Name	AMERICAN SECURITY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$281,500 (-) Land $59,400 Building $222,100	$281,500 (-) Land $59,400 Building $222,100
2025	$2,460.00 (+35.84%)	$281,500 (+69.48%) Land $59,400 Building $222,100	$281,500 (+69.48%) Land $59,400 Building $222,100
2023	$1,811.00	$166,100 Land $33,700 Building $132,400	$166,100 Land $33,700 Building $132,400

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Windstream DSL	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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