Union County property record for 431 Annaberg Ln, Monroe, NC 28110
| Property Type | Rural Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,938 sqft · built 2005 |
| Lot Size | 0.171 acres (7,449 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,911 (2025) |
| Deeds & Mortgages | May 2024 Mortgage Jul 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-402-465 |
| Primary APN | 09-402-465 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,938 sqft Living Area |
| 1st Floor Area | 1,306 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Conventional |
| Construction Type | Wood |
| Roof Type | Hip |
| Lot Area | 7,449 sqft (0.171 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 95 sqft |
| Deck Area | 290 sqft |
| Patio Area | 290 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Street Address | 431 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 | #413 ST JOHNS FOREST PH1 MP5 OPCI327 |
| Legal Subdivision | ST JOHNS FOREST |
| Jurisdiction | UNION NC |
| Township / Civil Division | MONROE |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 20308 |
431 Annaberg Ln, a rural home, is owned and occupied by two individuals who acquired it in December 2017.
Source: Union County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 431 ANNABERG LN, MONROE, NC 28110-8655 |
| 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.
| Date | Document |
|---|---|
| May 9, 2024 | Deed of Trust, Mortgage · VA Mortgage NEW AMERICAN FUNDING |
| Jul 28, 2022 | Deed of Trust, Mortgage · VA Mortgage BROKER SOLUTIONS INC |
| Aug 17, 2021 | Deed of Trust, Mortgage · VA Mortgage BROKER SOLUTIONS INC |
| Dec 8, 2017 | Quit Claim Deed, Transfer · VA Mortgage LOW VA RATES LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 8, 2017 |
| Deed Sale | Dec 8, 2017 |
| Prior Sale | Apr 24, 2014 · Amount on File |
| Deed Document Number | 201735961 |
| Deed Book / Page | 7067 / 669 |
| Prior Transfer Date | Dec 6, 2017 |
| Prior Transfer Doc | 0007067669 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 431 ANNABERG LN, MONROE, NC 28110-8655 |
| Transaction Type | Mortgage |
| Record Updated | May 21, 2024 |
| Title Company | POWER SETTLEMENT SERVICES LP, EMPOWER SETTLEMENT SVCS LLC |
| Name | Verified Name |
|---|
| Document Number | 0000890152 |
|---|---|
| Date | May 9, 2024 |
| Book Page | 8901/52 |
| Instrument | 10539 |
| Name | NEW AMERICAN FUNDING |
|---|---|
| Type | Lending Institution |
| Address | TUSTIN, CA 92780 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 431 ANNABERG LN, MONROE, NC 28110-8655 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2022 |
| Title Company | VANTAGE POINT TITLE INC |
| Name | Verified Name |
|---|
| Document Number | 0008535640 |
|---|---|
| Date | Jul 28, 2022 |
| Book Page | 8535/640 |
| Instrument | 26785 |
| Name | BROKER SOLUTIONS INC |
|---|---|
| Type | Mortgage Company |
| Address | TUSTIN, CA 92780 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 431 ANNABERG LN, MONROE, NC 28110-8655 |
| Transaction Type | Mortgage |
| Record Updated | Sep 3, 2021 |
| Title Company | VANTAGE PT TITLE INC, VANTAGE POINT TITLE INC |
| Name | Verified Name |
|---|
| Document Number | 8208137 |
|---|---|
| Date | Aug 17, 2021 |
| Book Page | 8208/137 |
| Instrument | 38774 |
| Name | BROKER SOLUTIONS INC |
|---|---|
| Type | Mortgage Company |
| Address | TUSTIN, CA 92780 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Dec 8, 2017 |
| Property Address | 431 ANNABERG LN, MONROE, NC 28110-8655 |
| Document Number | 7067669 |
| Book / Page | 007067 / 000669 |
| Instrument Date | Dec 6, 2017 |
| Instrument | 35961 |
| Transaction Type | Transfer |
| Record Updated | Jan 5, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 431 ANNABERG LN MONROE NC 281108655, MONROE, NC 28110-8655 |
| Document Number | 7067672 |
|---|---|
| Date | Dec 8, 2017 |
| Book Page | 007067/000672 |
| Instrument | 35962 |
| Name | LOW VA RATES LLC |
|---|---|
| Address | LINDON, UT 84042 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Dec 7, 2037 |
The 2025 property tax bill for 431 Annaberg Ln was $1,911.
Source: Union County assessment roll, as of March 31, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Union County |
| Unified School District | Union County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $440,200 (-) Land $72,400 Building $367,800 | $440,200 (-) Land $72,400 Building $367,800 | |
| 2025 | $1,911.00 | $440,200 Land $72,400 Building $367,800 | $440,200 Land $72,400 Building $367,800 |
| 2023 | $1,514.00 | $281,600 Land $44,900 Building $236,700 | $281,600 Land $44,900 Building $236,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 431 Annaberg 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 | 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 risk around 431 Annaberg 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 |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 293 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 |
| Windstream DSL | 200 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures