609 Vance Pl, Monroe, NC 28110 Property Records

Union County property record for 609 Vance Pl, Monroe, NC 28110

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 3,687 sqft · built 1998
Lot Size	1.35 acres (58,806 sqft)
Owner	2 Individual Names on Record
Last Sale	$454,000 (Oct 2018)
Tax Bill	$3,481 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Jun 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`08-231-090`

Property Details

APN / Parcel Number

Primary APN	`08-231-090`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	3,687 sqft Living Area
Gross Area	4,216 sqft
1st Floor Area	2,381 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	58,806 sqft (1.35 acres)
Garage Type	Attached
Garage Area	529 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	501 sqft
Deck Area	390 sqft
Patio Area	390 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	609 VANCE PL
City	MONROE
State	NC
Zip	28110-9211
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA-40 UNIO
Legal Description	#15 BENTON ACRES PH I OPCE690
Legal Subdivision	BENTON ACRES
Legal Lot Number	15
Jurisdiction	UNION NC
Township / Civil Division	GOOSE CREEK
Census Block Group	2
Census Block	2001
Census Tract	20205

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	609 VANCE PL, MONROE, NC 28110-9211
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2022	Deed of Trust, Mortgage · Line of Credit SPRING EQ LLC
Jun 7, 2021	Deed of Trust, Mortgage · VA Mortgage HOME POINT FINANCIAL CORPORATION
Oct 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Apr 5, 2017	Deed of Trust, Mortgage · ARM STATE EMPLOYEES CU
Jul 20, 2020	Deed of Trust, Mortgage · VA Mortgage HOME POINT FINANCIAL CORPORATION
Oct 17, 2018	Warranty Deed, Transfer · VA Mortgage AMRES CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 17, 2018 · Amount on Record
Deed Sale	Oct 17, 2018 · Amount on Record
Prior Sale	Nov 12, 1997 · Amount on Record
Deed Document Number	201829193
Deed Book / Page	7253 / 162
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	609 VANCE PL, MONROE, NC 28110-9211
Transaction Type	Mortgage
Record Updated	Aug 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	609 VANCE PL, MONROE, NC 28110-9211

Mortgage

Document Number	0008548138
Date	Aug 12, 2022
Book Page	8548/138
Instrument	28744

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 11, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	609 VANCE PL, MONROE, NC 28110-9211
Transaction Type	Mortgage
Record Updated	Jan 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008127645
Date	Jun 7, 2021
Book Page	8127/645
Instrument	26820

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	609 VANCE PL, MONROE, NC 28110-9211
Transaction Type	Mortgage
Record Updated	Jan 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008276796
Date	Oct 12, 2021
Book Page	8276/796
Instrument	48741

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

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

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	609 VANCE PL, MONROE, NC 28110-9211
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ACCURATE TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	6907232
Date	Apr 5, 2017
Book Page	6907/232
Instrument	0009320

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Change Frequency	5 Years
Index	5-Year CMT
Margin	2
Max Rate	6%

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	609 VANCE PL, MONROE, NC 28110-9211
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7741564
Date	Jul 20, 2020
Book Page	7741/564
Instrument	26897

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Oct 17, 2018
Property Address	609 VANCE PL, MONROE, NC 28110-9211
Document Number	7253162
Book / Page	007253 / 000162
Instrument Date	Oct 15, 2018
Instrument	29193
Transaction Type	Transfer
Record Updated	Nov 12, 2018
Title Company	INVESTORS TITLE INSURANCE, INVESTORS TITLE INS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$908.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	609 VANCE PL MONROE NC 281109211, MONROE, NC 28110-9211

Mortgage

Document Number	7253164
Date	Oct 17, 2018
Book Page	007253/000164
Instrument	29194

Lender

Name	AMRES CORP
Address	FEASTERVILLE TREVOSE, PA 19053

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 16, 2048

Tax Assessment & Valuation

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		$730,000 (-) Land $117,000 Building $613,000	$730,000 (-) Land $117,000 Building $613,000
2025	$3,481.00 (+30.77%)	$730,000 (+64.9%) Land $117,000 Building $613,000	$730,000 (+64.9%) Land $117,000 Building $613,000
2023	$2,662.00	$442,700 Land $87,900 Building $354,800	$442,700 Land $87,900 Building $354,800

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	1 (2018)
Most Recent Claim	Sep 2018 · Hurricane Florence

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 29 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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