Union County property record for 447 Zender Ln, Monroe, NC 28112
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $373,500 (Aug 2025) |
| Tax Bill | $713 (2025) |
| Deeds & Mortgages | Aug 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-321-926 |
| Primary APN | 09-321-926 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,623 sqft Living Area |
| 1st Floor Area | 1,623 sqft |
| Year Built | Built 2025 |
|---|---|
| Effective Year Built | Effective 2025 |
| Lot Area | 6,098 sqft (0.14 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 447 ZENDER LN |
|---|---|
| City | MONROE |
| State | NC |
| Zip | 28112-9635 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | #112 SECREST COMMONS PH2 OPCR496-499 |
| Legal Subdivision | SECREST COMMONS PHASE 2 |
| Jurisdiction | UNION NC |
| Township / Civil Division | MONROE |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 20501 |
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 | 447 ZENDER LN, MONROE, NC 28112-9635 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 25, 2025 · Amount on Record |
| Deed Sale | Aug 25, 2025 · Amount on Record |
| Deed Document Number | 202521893 |
| Deed Book / Page | 9186 / 221 |
| Record Updated | Oct 29, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Aug 25, 2025 |
| Property Address | 447 ZENDER LN, MONROE, NC 28112-9635 |
| Document Number | 0009186221 |
| Book / Page | 9186 / 221 |
| Map Reference | CAB R FILE 496-499 |
| Instrument Date | Aug 25, 2025 |
| Instrument | 21893 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Sep 30, 2025 |
| Title Company | DHI TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $747.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8025 ARROWRIDGE BLVD, CHARLOTTE, NC 28273-5604 |
| Name | Verified Name |
|---|---|
| Address | 447 ZENDER LN, MONROE, NC 28112-9635 |
| Document Number | 0000021894 |
|---|---|
| Date | Aug 25, 2025 |
| Instrument | 21894 |
| Name | DHI MORTGAGE COMPANY LTD |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2055 |
Source: Union County assessment roll, as of March 31, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Union County |
| Municipality | Monroe City |
| Unified School District | Union County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $337,700 (+313.85%) Land $81,600 Building $256,100 | $337,700 (+313.85%) Land $81,600 Building $256,100 | |
| 2025 | $713.00 | $81,600 Land $81,600 | $81,600 Land $81,600 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 | 3 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.
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 | Direct burnable vegetation |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 49 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures