Union County property record for 4405 Austin Rd, Monroe, NC 28112
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 3,141 sqft · built 1997 |
| Lot Size | 4.29 acres (187,264 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $580,000 (Nov 2021) |
| Tax Bill | $3,129 (2025) |
| Deeds & Mortgages | Nov 2021 Sale & Mortgage May 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-174-006C |
| Primary APN | 04-174-006C |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 3,141 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 187,264 sqft (4.29 acres) |
| Garage Type | Attached |
| Garage Area | 704 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 150 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 4405 AUSTIN RD |
|---|---|
| City | MONROE |
| State | NC |
| Zip | 28112-8265 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA-40 UNIO |
| Legal Description | #3 COOPER PENEGAR OPCD965 |
| Legal Subdivision | PENEGAR PROPERTY |
| Legal Tract | 3 |
| Jurisdiction | UNION NC |
| Township / Civil Division | BUFORD |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 20902 |
Source: Union County records, as of March 31, 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 | 4405 AUSTIN RD, MONROE, NC 28112-8265 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 30, 2021 | Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC |
| May 13, 2021 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 30, 2021 · Amount on Record |
| Deed Sale | Nov 30, 2021 · Amount on Record |
| Deed Document Number | 202156513 |
| Deed Book / Page | 8329 / 432 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Nov 30, 2021 |
| Property Address | 4405 AUSTIN RD, MONROE, NC 28112-8265 |
| Document Number | 0008329432 |
| Book / Page | 8329 / 432 |
| Map Reference | CAB D FILE 965 |
| Instrument Date | Nov 25, 2021 |
| Instrument | 56513 |
| Transaction Type | Transfer |
| Record Updated | Dec 21, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,160.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2368 BAYSHORE DR SW, 2368, SUPPLY, NC 28462-2504 |
| Name | Verified Name |
|---|---|
| Address | 4405 AUSTIN RD, MONROE, NC 28112-8265 |
| Document Number | 0000056514 |
|---|---|
| Date | Nov 30, 2021 |
| Instrument | 56514 |
| Name | ATLANTIC BAY MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 4405 AUSTIN RD, MONROE, NC 28112-8265 |
| Transaction Type | Mortgage |
| Record Updated | May 28, 2021 |
| Title Company | DATA SEARCH INC |
| Name | Verified Name |
|---|
| Document Number | 8099424 |
|---|---|
| Date | May 13, 2021 |
| Book Page | 8099/424 |
| Instrument | 22759 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 |
|---|---|---|---|
| 2025 | $3,129.00 (+30.27%) | $678,900 (+75.47%) Land $119,000 Building $559,900 | $678,900 (+75.47%) Land $119,000 Building $559,900 |
| 2023 | $2,402.00 | $386,900 Land $46,100 Building $340,800 | $386,900 Land $46,100 Building $340,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 14, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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.
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 5 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
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