616 Pennigar Rd, Monroe, NC 28110 Property Records

Union County property record for 616 Pennigar Rd, Monroe, NC 28110

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,080 sqft · built 2016
Lot Size	5.26 acres (229,126 sqft)
Owner	2 Individual Names on Record
Last Sale	$51,000 (Sep 2015)
Tax Bill	$2,872 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Oct 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`08-234-009M`

Property Details

APN / Parcel Number

Primary APN	`08-234-009M`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,080 sqft Living Area
1st Floor Area	1,216 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Conventional
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Lot Area	229,126 sqft (5.26 acres)
Garage Type	Detached
Garage Area	816 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	480 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	616 PENNIGAR RD
City	MONROE
State	NC
Zip	28110-6982
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA-40 UNIO
Legal Description	#7B PENNIGAR RD OPCK447
Jurisdiction	UNION NC
Township / Civil Division	GOOSE CREEK
Census Block Group	1
Census Block	1000
Census Tract	20205

Owner

Source: Union County records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	616 PENNIGAR RD, MONROE, NC 28110-6982
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage MID-AMERICAN MORTGAGE INC
Oct 12, 2020	Deed of Trust, Mortgage · Line of Credit LOCAL GOVERNMENT FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 3, 2015 · Amount on Record
Deed Sale	Sep 3, 2015 · Amount on Record
Deed Document Number	201527423
Deed Book / Page	6523 / 166
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	616 PENNIGAR RD, MONROE, NC 28110-6982
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TRANSTAR NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7653760
Date	Apr 30, 2020
Book Page	7653/760
Instrument	14687

Lender

Name	MID-AMERICAN MORTGAGE INC
Type	Mortgage Company
Address	ADDISON, TX 75001

Agreement

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

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	616 PENNIGAR RD, MONROE, NC 28110-6982
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	784263
Date	Oct 12, 2020
Book Page	7842/63
Instrument	41022

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union
Address	MONROE, NC 28111

Agreement

Type	Line of Credit
Amount	Amount Recorded

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	Unionville Town
Unified School District	Union County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$565,200 (-) Land $150,700 Building $414,500	$565,200 (-) Land $150,700 Building $414,500
2025	$2,872.00 (+14.97%)	$565,200 (+51.41%) Land $150,700 Building $414,500	$565,200 (+51.41%) Land $150,700 Building $414,500
2023	$2,498.00	$373,300 Land $67,800 Building $305,500	$373,300 Land $67,800 Building $305,500

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	4 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 37 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50

May also be available: Verizon.

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