433 E Village Dr, Monroe, NC 28112 Property Records

Union County property record for 433 E Village Dr, Monroe, NC 28112

Property Summary

Property Type	Rural Home
Details	3 bd · 2.5 ba · 1,600 sqft · built 2018
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on Record
Last Sale	$160,000 (May 2018)
Tax Bill	$2,926 (2025)
Deeds & Mortgages	May 2018 Sale & Mortgage Oct 2017 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`09-087-044`

Property Details

APN / Parcel Number

Primary APN	`09-087-044`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,600 sqft Living Area
1st Floor Area	1,040 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Attached
Garage Area	400 sqft
Porch	Slab
Porch Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	433 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	#28 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	2 Individual Names on Record
Mailing Address	433 E VILLAGE DR, MONROE, NC 28112-8195
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 16, 2018	Warranty Deed, Subdivision Related Transfer · Conventional with PMI BRANCH BK&TR
Oct 20, 2017	Warranty Deed, Construction Loan · Construction Mortgage FIRST CITIZENS BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 2018 · Amount on Record
Deed Sale	May 16, 2018 · Amount on Record
Deed Document Number	201813210
Deed Book / Page	7157 / 632
Record Updated	Oct 29, 2026

May 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	May 16, 2018
Property Address	433 E VILLAGE DR, MONROE, NC 28112-8195
Document Number	7157632
Book / Page	007157 / 000632
Instrument Date	May 16, 2018
Instrument	13210
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 19, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$320.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	433 E VILLAGE DR MONROE NC 281128195, MONROE, NC 28112-8195

Mortgage

Document Number	7157634
Date	May 16, 2018
Book Page	007157/000634
Instrument	13211

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WILSON, NC 27893

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 15, 2048

Mortgage

Document Number	7157651,
Date	May 16, 2018
Book Page	007157/000651
Instrument	13212

Lender

Name	HOUSING FIN AGCY
Address	RALEIGH, NC 27611-8066

Agreement

Amount	Amount Recorded

October 2017: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Oct 20, 2017
Property Address	433 E VILLAGE DR, MONROE, NC 28112-8195
Document Number	0007037857
Book / Page	7037 / 857
Map Reference	CAB I FILE 425
Instrument Date	Oct 19, 2017
Instrument	0030896
Transaction Type	Construction Loan
Record Updated	Dec 14, 2021
Title Company	CHICAGO TITLE INSURANCE COMP

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1617 MAURICE ST, MONROE, NC 28112-6329

Mortgage

Document Number	0000030897
Date	Oct 20, 2017
Instrument	0030897

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$334,800 (-) Land $59,400 Building $275,400	$334,800 (-) Land $59,400 Building $275,400
2025	$2,926.00 (+37.11%)	$334,800 (+71.08%) Land $59,400 Building $275,400	$334,800 (+71.08%) Land $59,400 Building $275,400
2023	$2,134.00	$195,700 Land $33,700 Building $162,000	$195,700 Land $33,700 Building $162,000

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	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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