4538 Willoway Ln, Monroe, NC 28110 Property Records

Union County property record for 4538 Willoway Ln, Monroe, NC 28110

Property Summary

Property Type	Other Improved
Details	built 2019
Lot Size	0.459 acres (19,994 sqft)
Owner	2 Individual Names on Record
Last Sale	$446,000 (Sep 2020)
Tax Bill	$5,142 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Jun 2024 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`07-027-633`

Property Details

APN / Parcel Number

Primary APN	`07-027-633`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Building Area	3,522 sqft Living Area
1st Floor Area	1,986 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Brick
Lot Area	19,994 sqft (0.459 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4538 WILLOWAY LN
City	MONROE
State	NC
Zip	28110-8355
Property Category	Other
Property Type	Other > Other Improved
Local Zoning Code	R-20 MONRO
Legal Description	#21 GLEN MEADOWS OPCK334
Legal Subdivision	GLEN MEADOWS
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	3
Census Block	3007
Census Tract	20321

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	4538 WILLOWAY LN, MONROE, NC 28110-8355
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 25, 2024	Deed of Trust, Mortgage · Line of Credit SPRING EQ LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 1, 2020 · Amount on Record
Deed Sale	Sep 1, 2020 · Amount on Record
Prior Sale	Oct 5, 2016 · Amount on Record
Deed Document Number	202034476
Deed Book / Page	7795 / 357
Prior Transfer Date	Sep 9, 2009
Prior Transfer Doc	0005210852
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	4538 WILLOWAY LN, MONROE, NC 28110-8355
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008128201
Date	Jun 7, 2021
Book Page	8128/201
Instrument	26923

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

June 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	4538 WILLOWAY LN, MONROE, NC 28110-8355
Transaction Type	Mortgage
Record Updated	Mar 31, 2026
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4538 WILLOWAY LN, MONROE, NC 28110-8355

Mortgage

Document Number	0008926526
Date	Jun 25, 2024
Book Page	8926/526
Instrument	14472

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	FLINT, MI 48501

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$588,200 (-) Land $101,000 Building $487,200	$588,200 (-) Land $101,000 Building $487,200
2025	$5,142.00 (+15.24%)	$588,200 (+43.74%) Land $101,000 Building $487,200	$588,200 (+43.74%) Land $101,000 Building $487,200
2023	$4,462.00	$409,200 Land $68,600 Building $340,600	$409,200 Land $68,600 Building $340,600

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 94% of the US · lower than 96% of North Carolina
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 269 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Ripple Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Willoway Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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