Union County property record for 643 Scotch Meadows Loop, Monroe, NC 28110 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Year Built | Built 2023 |
| Lot Size | 5,184 sqft (0.119 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $428,000 (2023) |
| Tax Bill | $3,973.00 (2025) |
| Primary APN | 09-143-204 |
|---|
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Lot Area | 5,184 sqft (0.119 acres) |
| Street Address | 643 SCOTCH MEADOWS LOOP |
|---|---|
| City | MONROE |
| State | NC |
| Zip | 28110-9865 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | #103 SCOTCH MEADOWS MAP 3 OPCQ699 |
| Jurisdiction | UNION NC |
| Minor Civil Division | MONROE |
| Census Blockgroup | 4 |
| Census Block | 4017 |
| Census Tract | 20601 |
Source: Union County records · APN 09-143-204
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 | 643 SCOTCH MEADOWS LOOP, MONROE, NC 28110-9865 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Dec 22, 2023 | Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage STATE EMPLOYEES CU |
| Jul 21, 2023 | Warranty Deed, Transfer |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 22, 2023 · Amount on Record |
| Deed Sale | Dec 22, 2023 · Amount on Record |
| Deed Doc Number | 202330467 |
| Deed Book / Page | 8830 / 933 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Dec 22, 2023 |
| Property Address | 643 SCOTCH MEADOWS LOOP, MONROE, NC 28110-9865 |
| Document Number | 0000883132 |
| Book / Page | 8831 / 32 |
| Map Reference | MB Q PG 699&700 |
| Instrument Date | Dec 22, 2023 |
| Instrument | 30467 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Mar 31, 2026 |
| Title Company | INDEPENDENCE TITLE GROUP LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $856.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2649 BREKONRIDGE CENTRE DR, MONROE, NC 28110-5629 |
| Name | Verified Name |
|---|---|
| Address | 643 SCOTCH MEADOWS LOOP, MONROE, NC 28110-9865 |
| Investor | Possibly a Property Investor |
| Document Number | 0000030468 |
|---|---|
| Date | Dec 22, 2023 |
| Instrument | 30468 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.02% |
| Type Change Date | Jan 01, 2029 |
| Change Frequency | 5 Years |
| Min Rate At Change | 5.02% |
| Max Rate At Change | 9.02% |
| Index | 5-Year TN |
| Max Rate | 13% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Jul 21, 2023 |
| Property Address | 643 SCOTCH MEADOWS LOOP, MONROE, NC 28110-9865 |
| Document Number | 0008748876 |
| Book / Page | 8748 / 876 |
| Map Reference | MB Q PG 699-700 |
| Instrument Date | Jul 12, 2023 |
| Instrument | 17544 |
| Transaction Type | Transfer |
| Record Updated | Mar 31, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $699.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2627 BREKONRIDGE CENTRE DR, MONROE, NC 28110-5629 |
| Name | Verified Name |
|---|---|
| Address | 2649 BREKORIRIDGE CENTRE DRIVE, MONROE, NC 28110-5629 |
| Investor | Possibly a Property Investor |
Source: Union County records · Assessment roll updated March 31, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Union County |
| Municipality | Monroe City |
| Unified School District | Union County Public Schools (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,973.00 (+49,562.5%) | $454,500 (+856.84%) Land $77,100 Building $377,400 | $454,500 (+856.84%) Land $77,100 Building $377,400 |
| 2023 | $8.00 Additional exemption filed | $47,500 Land $47,500 | $47,500 Land $47,500 |
Source: FEMA National Flood Hazard Layer, Union County (37179C), updated September 14, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 20% of the US · above 24% of North Carolina |
|---|---|
| Wildfire Likelihood | About 1 in 5,882 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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