421 Ambrose Ln, Monroe, NC 28110 Property Records

Union County property record for 421 Ambrose Ln, Monroe, NC 28110

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,537 sqft · built 1993
Lot Size	0.92 acres (40,075 sqft)
Owner	Individual Name on File
Last Sale	$178,000 (Jul 2013)
Tax Bill	$2,168 (2025)
Deeds & Mortgages	Sep 2021 Mortgage May 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`08-165-120`

Property Details

APN / Parcel Number

Primary APN	`08-165-120`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,537 sqft Living Area
Gross Area	2,053 sqft
1st Floor Area	1,537 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	40,075 sqft (0.92 acres)
Garage Type	Attached
Garage Area	516 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	117 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	421 AMBROSE LN
City	MONROE
State	NC
Zip	28110-9722
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	RA-40 UNIO
Legal Description	#41 ASBURY DOWNS II
Legal Subdivision	ASBURY DOWNS
Legal Lot Number	41
Jurisdiction	UNION NC
Township / Civil Division	GOOSE CREEK
Census Block Group	1
Census Block	1003
Census Tract	20206

Owner

421 Ambrose Ln, a rural home, is owned and occupied by an individual who bought it in July 2013.

Source: Union County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	421 AMBROSE LN, MONROE, NC 28110-9722
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
May 8, 2017	Deed of Trust, Mortgage · ARM STATE EMPLOYEES CU
May 8, 2017	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Nov 13, 2020	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 29, 2013 · Amount on File
Deed Sale	Jul 29, 2013 · Amount on File
Prior Sale	Nov 12, 2010 · Amount on File
Deed Document Number	201326159
Deed Book / Page	6062 / 454
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	421 AMBROSE LN, MONROE, NC 28110-9722
Transaction Type	Mortgage
Record Updated	Oct 1, 2021
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	8242653
Date	Sep 15, 2021
Book Page	8242/653
Instrument	43742

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Oct 1, 2041

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	421 AMBROSE LN, MONROE, NC 28110-9722
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	ACCURATE TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	6926819
Date	May 8, 2017
Book Page	6926/819
Instrument	0012510

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Change Frequency	5 Years
Index	5-Year CMT
Margin	2
Max Rate	6%

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	421 AMBROSE LN, MONROE, NC 28110-9722
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	6926835
Date	May 8, 2017
Book Page	6926/835
Instrument	0012511

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	LOCUST, NC 28097

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	421 AMBROSE LN, MONROE, NC 28110-9722
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	788474
Date	Nov 13, 2020
Book Page	7884/74
Instrument	46836

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	LOCUST, NC 28097

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 421 Ambrose Ln was $2,168.

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		$426,700 (-) Land $79,000 Building $347,700	$426,700 (-) Land $79,000 Building $347,700
2025	$2,168.00	$426,700 Land $79,000 Building $347,700	$426,700 Land $79,000 Building $347,700
2023	$1,683.00	$251,500 Land $40,200 Building $211,300	$251,500 Land $40,200 Building $211,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 421 Ambrose Ln in Zone X, an area of minimal flood risk.

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

Wildfire risk around 421 Ambrose Ln is low, with a 0.01% annual chance of 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	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 85 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

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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