4509 Zack Rd, Monroe, NC 28110 Property Records

Union County property record for 4509 Zack Rd, Monroe, NC 28110

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,594 sqft · built 1996
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$746,000 (Feb 2026)
Tax Bill	$3,874 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Feb 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-165-005B`

Property Details

APN / Parcel Number

Primary APN	`08-165-005B`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	3,594 sqft Living Area
Gross Area	3,649 sqft
1st Floor Area	3,594 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Garage Type	Detached
Garage Area	594 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	336 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4509 ZACK RD
City	MONROE
State	NC
Zip	28110-8224
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA-40 UNIO
Legal Description	#2 MORGAN OPCE325
Legal Subdivision	PROPERTY OF WILLIAM D MORGAN
Jurisdiction	UNION NC
Township / Civil Division	GOOSE CREEK
Census Block Group	1
Census Block	1003
Census Tract	20206

Owner

4509 Zack Rd is owned and occupied by two individuals who bought it in February 2026.

Source: Union County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4509 ZACK RD, MONROE, NC 28110-8224
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Feb 9, 2026	Warranty Deed, Transfer · Conventional Mortgage THE LOAN STORE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 9, 2026 · Amount on File
Deed Sale	Feb 9, 2026 · Amount on File
Prior Sale	Mar 25, 2010 · Amount on File
Deed Document Number	20263205
Deed Book / Page	9300 / 839
Prior Transfer Date	Aug 9, 2024
Prior Transfer Doc	0009163706
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	4509 ZACK RD, MONROE, NC 28110-8224
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008293493
Date	Oct 27, 2021
Book Page	8293/493
Instrument	51255

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Feb 9, 2026
Property Address	4509 ZACK RD, MONROE, NC 28110-8224
Document Number	0009300839
Book / Page	9300 / 839
Map Reference	CAB E FILE 325
Instrument Date	Feb 9, 2026
Instrument	3205
Transaction Type	Transfer
Record Updated	Mar 6, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,492.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3217 OGLETHORPE LN, MONROE, NC 28110-7867

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4509 ZACK RD, MONROE, NC 28110-8224

Mortgage

Document Number	0000003206
Date	Feb 9, 2026
Instrument	3206

Lender

Name	THE LOAN STORE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

Tax Assessment & Valuation

The 2025 property tax bill for 4509 Zack Rd was $3,874.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$762,400 (-) Land $68,400 Building $694,000	$762,400 (-) Land $68,400 Building $694,000
2025	$3,874.00	$762,400 Land $68,400 Building $694,000	$762,400 Land $68,400 Building $694,000
2023	$3,403.00	$508,400 Land $36,500 Building $471,900	$508,400 Land $36,500 Building $471,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4509 Zack Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 4509 Zack Rd is low, with a 0.01% annual chance of 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	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 42 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Zack Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures