4415 Murphy Ln, Monroe, NC 28112 Property Records

Union County property record for 4415 Murphy Ln, Monroe, NC 28112

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,276 sqft · built 1980
Lot Size	5 acres (217,800 sqft)
Owner	Individual Name on Record
Last Sale	$350,000 (Feb 2021)
Tax Bill	$2,486 (2025)
Deeds & Mortgages	Mar 2023 Line of Credit Feb 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-005-006D`

Property Details

APN / Parcel Number

Primary APN	`05-005-006D`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	2,276 sqft Living Area
Gross Area	2,640 sqft
1st Floor Area	2,240 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Galvanized Metal
Lot Area	217,800 sqft (5 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	203 sqft
Deck Area	16 sqft
Patio Area	16 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	4415 MURPHY LN
City	MONROE
State	NC
Zip	28112-7585
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA-40 UNIO
Legal Description	8001-401
Jurisdiction	UNION NC
Township / Civil Division	JACKSON
Census Block Group	3
Census Block	3006
Census Tract	21005

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	Individual Name on Record
Mailing Address	4415 MURPHY LN, MONROE, NC 28112-7585
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2023	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Feb 24, 2021	Warranty Deed, Transfer · FHA Mortgage AMERICAN SECURITY MORTGAGE CORP
Jul 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 24, 2021 · Amount on Record
Deed Sale	Feb 24, 2021 · Amount on Record
Prior Sale	Sep 26, 2000 · Amount on Record
Deed Document Number	20218577
Deed Book / Page	8001 / 401
Prior Transfer Date	Nov 4, 2016
Prior Transfer Doc	6825815
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	4415 MURPHY LN, MONROE, NC 28112-7585
Transaction Type	Mortgage
Record Updated	May 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008664263
Date	Mar 1, 2023
Book Page	8664/263
Instrument	4716

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	INDIAN TRAIL, NC 28079

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Feb 24, 2021
Property Address	4415 MURPHY LN, MONROE, NC 28112-7585
Document Number	0008001401
Book / Page	8001 / 401
Map Reference	MB 278 PG 798
Instrument Date	Feb 24, 2021
Instrument	8577
Transaction Type	Transfer
Record Updated	Dec 14, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$700.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4415 MURPHY LN, MONROE, NC 28112-7585

Mortgage

Document Number	0000008578
Date	Feb 24, 2021
Instrument	8578

Lender

Name	AMERICAN SECURITY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	4415 MURPHY LN, MONROE, NC 28112-7585
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7724861
Date	Jul 6, 2020
Book Page	7724/861
Instrument	24500

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Change Frequency	Annually
Min Rate At Change	3.75%
Index	5-Year CMT
Margin	2
Max Rate	6%

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		$516,400 (-) Land $185,400 Building $331,000	$516,400 (-) Land $185,400 Building $331,000
2025	$2,486.00 (+30.23%)	$516,400 (+71.56%) Land $185,400 Building $331,000	$516,400 (+71.56%) Land $185,400 Building $331,000
2023	$1,909.00	$301,000 Land $71,000 Building $230,000	$301,000 Land $71,000 Building $230,000

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	0.02% 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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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