441 Annaberg Ln, Monroe, NC 28110 Property Records

Union County property record for 441 Annaberg Ln, Monroe, NC 28110

Property Summary

Property Type	Rural Home
Details	4 bd · 2.5 ba · 2,906 sqft · built 2005
Lot Size	0.175 acres (7,623 sqft)
Owner	2 Individual Names on Record
Last Sale	$460,000 (Sep 2023)
Tax Bill	$2,119 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Oct 2022 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`09-402-470`

Property Details

APN / Parcel Number

Primary APN	`09-402-470`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,906 sqft Living Area
1st Floor Area	1,306 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Conventional
Construction Type	Wood
Roof Type	Gable
Lot Area	7,623 sqft (0.175 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	95 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	441 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	#418 ST JOHNS FOREST PH1 MP5 OPCI-327
Legal Subdivision	ST JOHNS FOREST
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	3
Census Block	3006
Census Tract	20308

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	441 ANNABERG LN, MONROE, NC 28110-8655
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 6, 2023	Warranty Deed, Transfer · FHA Mortgage TOWNEBANK MORTGAGE
Oct 28, 2022	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE
Jul 29, 2022	Warranty Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO
Dec 14, 2018	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Oct 10, 2019	Deed of Trust, Mortgage · VA Mortgage HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 6, 2023 · Amount on Record
Deed Sale	Sep 6, 2023 · Amount on Record
Prior Sale	Oct 28, 2022 · Amount on Record
Deed Document Number	202321721
Deed Book / Page	8776 / 577
Prior Transfer Date	Dec 29, 2014
Prior Transfer Doc	6367786
Record Updated	Oct 29, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Sep 6, 2023
Property Address	441 ANNABERG LN, MONROE, NC 28110-8655
Document Number	0008776577
Book / Page	8776 / 577
Instrument Date	Sep 6, 2023
Instrument	21721
Transaction Type	Transfer
Record Updated	Sep 25, 2023
Title Company	MASTER TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$920.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1220 HADEN DR, WAXHAW, NC 28173-7965

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	441 ANNABERG LN, MONROE, NC 28110-8655

Mortgage

Document Number	0008776579
Date	Sep 6, 2023
Book Page	8776/579
Instrument	21722

Lender

Name	TOWNEBANK MORTGAGE
Type	Mortgage Company
Address	NORFOLK, VA 23510

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Oct 28, 2022
Property Address	441 ANNABERG LN, MONROE, NC 28110-8655
Document Number	0008599814
Book / Page	8599 / 814
Map Reference	CAB I FILE 327
Instrument Date	Oct 27, 2022
Instrument	36813
Transaction Type	Transfer
Record Updated	Dec 14, 2022
Title Company	OS NATIONAL LLC, OS NATIONAL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$760.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	410 N SCOTTSDALE RD # RD1600, RD1600, TEMPE, AZ 85288-7094

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	441 ANNABERG LN, MONROE, NC 28110-8655

Mortgage

Document Number	0000036814
Date	Oct 28, 2022
Instrument	36814

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Jul 29, 2022
Property Address	441 ANNABERG LN, MONROE, NC 28110-8655
Document Number	0008537203
Book / Page	8537 / 203
Map Reference	CAB 1 FILE 327
Instrument Date	Jul 29, 2022
Instrument	26999
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Tax	$811.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 12412, WILMINGTON, NC 28405-0119

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976
Investor	Possibly a Property Investor

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	441 ANNABERG LN, MONROE, NC 28110-8655
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7284126
Date	Dec 14, 2018
Book Page	7284/126
Instrument	0034293

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	441 ANNABERG LN, MONROE, NC 28110-8655
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NATIONAL TTL CTR INC KEY WES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7486315
Date	Oct 10, 2019
Book Page	7486/315
Instrument	0031058

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Lending Institution
Address	PARSIPPANY, NJ 07054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$438,100 (-) Land $72,400 Building $365,700	$438,100 (-) Land $72,400 Building $365,700
2025	$2,119.00 (+20.81%)	$438,100 (+59.89%) Land $72,400 Building $365,700	$438,100 (+59.89%) Land $72,400 Building $365,700
2023	$1,754.00 (+2.87%)	$274,000 (-) Land $44,900 Building $229,100	$274,000 (-) Land $44,900 Building $229,100
2022	$1,705.00	$274,000 Land $44,900 Building $229,100	$274,000 Land $44,900 Building $229,100

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	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

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.

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 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

441 Annaberg Ln, Monroe, NC 28110 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

September 2023: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

October 2022: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

July 2022: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

December 2018: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

October 2019: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Annaberg Ln

Nearby Streets

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