515 Heather Pl, Monroe, NC 28112 Property Records

Union County property record for 515 Heather Pl, Monroe, NC 28112

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,245 sqft · built 2006
Lot Size	1.41 acres (61,420 sqft)
Owner	2 Individual Names on Record
Last Sale	$350,000 (Sep 2020)
Tax Bill	$2,504 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Sep 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-195-075`

Property Details

APN / Parcel Number

Primary APN	`04-195-075`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,245 sqft Living Area
1st Floor Area	2,245 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	61,420 sqft (1.41 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	18 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Water Source	Commercial

Location & Zoning

Street Address	515 HEATHER PL
City	MONROE
State	NC
Zip	28112-9550
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA-40 UNIO
Legal Description	#18 HEATHERLOCH II OPCC534
Legal Subdivision	HEATHERLOCH
Jurisdiction	UNION NC
Township / Civil Division	BUFORD
Census Block Group	2
Census Block	2036
Census Tract	20502

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	515 HEATHER PL, MONROE, NC 28112-9550
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 3, 2025	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Sep 28, 2020	Warranty Deed, Transfer · Conventional Mortgage HOMETOWN LENDERS INC
Jun 26, 2018	Warranty Deed, Transfer NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 28, 2020 · Amount on Record
Deed Sale	Sep 28, 2020 · Amount on Record
Prior Sale	Jun 26, 2018 · Amount on Record
Deed Document Number	202038474
Deed Book / Page	7823 / 609
Prior Transfer Date	Feb 10, 2015
Prior Transfer Doc	6380566
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	515 HEATHER PL, MONROE, NC 28112-9550
Transaction Type	Mortgage
Record Updated	Oct 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 HEATHER PL, MONROE, NC 28112-9550

Mortgage

Document Number	0000921535
Date	Oct 3, 2025
Book Page	9215/35
Instrument	25882

Lender

Name	COASTAL COMMUNITY BANK
Type	Bank
Address	CAMPBELL, CA 95008

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Sep 28, 2020
Property Address	515 HEATHER PL, MONROE, NC 28112-9550
Document Number	0007823609
Book / Page	7823 / 609
Map Reference	CAB C FILE 534
Instrument Date	Sep 25, 2020
Instrument	38474
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
Address	2121 COMMERCE DR APT 202, 2121, MONROE, NC 28110-2787

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 HEATHER PL, MONROE, NC 28112-9550

Mortgage

Document Number	0000038475
Date	Sep 28, 2020
Instrument	38475

Lender

Name	HOMETOWN LENDERS INC
Type	Mortgage Company

Agreement

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

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Jun 26, 2018
Property Address	515 HEATHER PL, MONROE, NC 28112-9550
Document Number	7183212
Book / Page	007183 / 000212
Instrument Date	Jun 26, 2018
Instrument	17462
Transaction Type	Transfer
Record Updated	Jul 25, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$598.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	515 HEATHER PL MONROE NC 281129550, MONROE, NC 28112-9550

Mortgage

Document Number	7183214
Date	Jun 26, 2018
Book Page	007183/000214
Instrument	17463

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 25, 2048

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		$554,800 (-) Land $96,500 Building $458,300	$554,800 (-) Land $96,500 Building $458,300
2025	$2,504.00 (+20.44%)	$554,800 (+62.22%) Land $96,500 Building $458,300	$554,800 (+62.22%) Land $96,500 Building $458,300
2023	$2,079.00	$342,000 Land $57,400 Building $284,600	$342,000 Land $57,400 Building $284,600

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	2 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	0.01% annual chance
Exposure	Direct burnable vegetation

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 44 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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