Union County property record for 4704 Kiddle Ln, Monroe, NC 28110
| Property Type | Rural Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,545 sqft · built 2006 |
| Lot Size | 0.142 acres (6,186 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $275,000 (Sep 2018) |
| Tax Bill | $2,406 (2025) |
| Deeds & Mortgages | Aug 2023 Second Mortgage Dec 2024 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-402-641 |
| Primary APN | 09-402-641 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 3,545 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Conventional |
| Construction Type | Wood |
| Roof Type | Gable |
| Lot Area | 6,186 sqft (0.142 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 114 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 4704 KIDDLE LN |
|---|---|
| City | MONROE |
| State | NC |
| Zip | 28110-7663 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | RA-20 UNIO |
| Legal Description | #618 ST JOHNS FOREST PH3 MP1 OPCI859 |
| Legal Subdivision | ST JOHNS FOREST |
| Jurisdiction | UNION NC |
| Township / Civil Division | MONROE |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 20308 |
Source: Union County assessment roll, APN 09-402-641, as of March 31, 2026 · Last verified April 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 File |
|---|---|
| Mailing Address | 4704 KIDDLE LN, MONROE, NC 28110-7663 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 21, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK |
| Dec 18, 2024 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Jun 10, 2022 | Intrafamily Transfer, Transfer · Conventional Mortgage STATE EMPLOYEES CU |
| Feb 09, 2017 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Feb 09, 2017 | Deed of Trust, Mortgage · ARM STATE EMPLOYEES CU |
| Sep 13, 2018 | Warranty Deed, Transfer · ARM STATE EMPLOYEES CU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 13, 2018 · Amount on Record |
| Deed Sale | Sep 13, 2018 · Amount on Record |
| Prior Sale | Dec 01, 2006 · Amount on Record |
| Deed Document Number | 201826140 |
| Deed Book / Page | 7234 / 888 |
| Last Transfer Date | Jun 06, 2022 |
| Transfer Doc | 0008498468 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 4704 KIDDLE LN, MONROE, NC 28110-7663 |
| Transaction Type | Mortgage |
| Record Updated | Jun 09, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0008766316 |
|---|---|
| Date | Aug 21, 2023 |
| Book Page | 8766/316 |
| Instrument | 20191 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Address | GREENWOOD, DE 19950 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 21, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 4704 KIDDLE LN, MONROE, NC 28110-7663 |
| Transaction Type | Mortgage |
| Record Updated | Jun 09, 2026 |
| Name | Verified Name |
|---|---|
| Address | 4704 KIDDLE LN, MONROE, NC 28110-7663 |
| Document Number | 0009032169 |
|---|---|
| Date | Dec 18, 2024 |
| Book Page | 9032/169 |
| Instrument | 30232 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.12% |
| Type Change Date | Jan 01, 2030 |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.12% |
| Max Rate At Change | 7.12% |
| Index | 5-Year TN |
| Max Rate | 11.1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Jun 10, 2022 |
| Property Address | 4704 KIDDLE LN, MONROE, NC 28110-7663 |
| Document Number | 0008498468 |
| Book / Page | 8498 / 468 |
| Map Reference | CAB I FILE 859 |
| Instrument Date | Jun 06, 2022 |
| Instrument | 20971 |
| Transaction Type | Transfer |
| Record Updated | Jun 24, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4704 KIDDLE LN, 4704, MONROE, NC 28110-7663 |
| Name | Verified Name |
|---|---|
| Address | 4704 KIDDLE LN, MONROE, NC 28110-7663 |
| Document Number | 0000020972 |
|---|---|
| Date | Jun 10, 2022 |
| Instrument | 20972 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 4704 KIDDLE LN, MONROE, NC 28110-7663 |
| Transaction Type | Mortgage |
| Record Updated | Feb 07, 2021 |
| Name | Verified Name |
|---|
| Document Number | 6874150 |
|---|---|
| Date | Feb 09, 2017 |
| Book Page | 6874/150 |
| Instrument | 0003718 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | INDIAN TRAIL, NC 28079 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 4704 KIDDLE LN, MONROE, NC 28110-7663 |
| Transaction Type | Mortgage |
| Record Updated | Feb 07, 2021 |
| Title Company | ACCURATE TITLE GROUP LLC |
| Name | Verified Name |
|---|
| Document Number | 6874131 |
|---|---|
| Date | Feb 09, 2017 |
| Book Page | 6874/131 |
| Instrument | 0003717 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.25% |
| Change Frequency | 5 Years |
| Index | 5-Year CMT |
| Margin | 2 |
| Max Rate | 6% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Sep 13, 2018 |
| Property Address | 4704 KIDDLE LN, MONROE, NC 28110-7663 |
| Document Number | 0007234888 |
| Book / Page | 7234 / 888 |
| Map Reference | CAB I FILE 859 |
| Instrument Date | Sep 07, 2018 |
| Instrument | 0026140 |
| Transaction Type | Transfer |
| Record Updated | Dec 14, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $550.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9511 BRIEF RD, 9511, CHARLOTTE, NC 28227-8461 |
| Name | Verified Name |
|---|---|
| Address | 4704 KIDDLE LN, MONROE, NC 28110-7663 |
| Document Number | 0000026141 |
|---|---|
| Date | Sep 13, 2018 |
| Instrument | 0026141 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.37% |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.75% |
| Index | 5-Year CMT |
| Margin | 2 |
| Max Rate | 6% |
Source: Union County assessment roll as of March 31, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Union County |
| Unified School District | Union County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,406.00 (+23.45%) | $497,500 (+63.38%) Land $72,400 Building $425,100 | $497,500 (+63.38%) Land $72,400 Building $425,100 |
| 2023 | $1,949.00 | $304,500 Land $44,900 Building $259,600 | $304,500 Land $44,900 Building $259,600 |
Source: FEMA National Flood Hazard Layer, Union County (37179C), as of September 14, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 371790203083, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 6 in force |
| Wildfire Risk | Low lower than 80% of the US · lower than 76% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection, 300 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Ripple Fiber Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 35 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| Uniti Group DSL | 100 / 20 |
Source: EPA Safe Drinking Water Information System, water system NC0190413, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | UNION COUNTY WATER SYSTEM serves 169,685 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | May 2026 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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