528 Heather Pl, Monroe, NC 28112 Property Records

Union County property record for 528 Heather Pl, Monroe, NC 28112 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,448 sqft · built 1990
Lot Size	1.08 acres (47,045 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,435 (2025)
Deeds & Mortgages	Dec 2021 Reverse Mortgage Aug 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-195-087`

Property Details

APN / Parcel Number

Primary APN	`04-195-087`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	3,448 sqft Living Area
Gross Area	4,168 sqft
1st Floor Area	1,320 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Wood
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	47,045 sqft (1.08 acres)
Garage Type	Attached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	528 HEATHER PL
City	MONROE
State	NC
Zip	28112-9549
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	#30 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 · APN 04-195-087

Assessment roll updated 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	528 HEATHER PL, MONROE, NC 28112-9549
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 14, 2021	Intrafamily Transfer, Transfer · Reverse Mortgage AMERICAN ADVISORS GROUP
Aug 09, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Aug 09, 2017	Deed of Trust, Mortgage · FHA Mortgage AMERICAN ADVISORS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Dec 07, 2021
Transfer Doc	0008343138
Record Updated	Jun 08, 2026

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	UNION NC
Recording Date	Dec 14, 2021
Property Address	528 HEATHER PL, MONROE, NC 28112-9549
Document Number	0008343138
Book / Page	8343 / 138
Map Reference	CAB C FILE 534
Instrument Date	Dec 07, 2021
Instrument	58598
Transaction Type	Transfer
Record Updated	Dec 31, 2021
Title Company	F/C TITLE SERVICES LLC, FNC TITLE SERVICES LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	528 HEATHER PL, MONROE, NC 28112-9549

Mortgage

Document Number	0000058599
Date	Dec 14, 2021
Instrument	58599

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	941 Months
Due	May 29, 2100

Interest

Rate Type	Adjustable Rate
Rate	2.31%
Adjustable	Adjustable Rate Rider
Max Rate	7.31%

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	528 HEATHER PL, MONROE, NC 28112-9549
Document Number	6994570
Instrument Date	Aug 09, 2017
Transaction Type	Mortgage
Record Updated	Jan 11, 2019
Title Company	FNC TITLE SERVICES, FNC TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	528 HEATHER PL MONROE NC 281129549, MONROE, NC 28112-9549

Mortgage

Document Number	6994570
Date	Aug 15, 2017
Book Page	006994/000570
Instrument	23640

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	996 Months
Due	Aug 14, 2100

Interest

Rate Type	Adjustable Rate
Rate	4.37%

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	528 HEATHER PL, MONROE, NC 28112-9549
Document Number	6994551
Instrument Date	Aug 09, 2017
Transaction Type	Mortgage
Record Updated	Nov 01, 2017
Title Company	FNC TITLE SERVICES, FNC TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	528 HEATHER PL MONROE NC 281129549, MONROE, NC 28112-9549

Mortgage

Document Number	6994551
Date	Aug 15, 2017
Book Page	006994/000551
Instrument	23639

Lender

Name	AMERICAN ADVISORS
Address	ORANGE, CA 92868

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	996 Months
Due	Aug 14, 2100

Interest

Rate Type	Adjustable Rate
Rate	4.37%

Tax Assessment & Valuation

Source: Union County records · Assessment roll updated March 31, 2026 · Last verified April 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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	$2,435.00 (+26.69%)	$539,500 (+70.62%) Land $96,500 Building $443,000	$539,500 (+70.62%) Land $96,500 Building $443,000
2023	$1,922.00	$316,200 Land $57,400 Building $258,800	$316,200 Land $57,400 Building $258,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Union County (37179C), updated September 14, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 371790205022, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	2 in force

Wildfire

Wildfire Risk	Low above 20% of the US · above 24% of North Carolina
Wildfire Likelihood	About 1 in 7,692 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 44 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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