812 Willoughby Rd, Monroe, NC 28110 Property Records

Union County property record for 812 Willoughby Rd, Monroe, NC 28110

Property Summary

Property Type	Rural Home
Details	2 ba · 1,248 sqft · built 1985
Lot Size	1.83 acres (79,715 sqft)
Owner	Individual Name on Record
Tax Bill	$1,246 (2025)
Deeds & Mortgages	Jan 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-405-004I`

Property Details

APN / Parcel Number

Primary APN	`09-405-004I`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,248 sqft Living Area
Gross Area	1,404 sqft
1st Floor Area	1,248 sqft

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	79,715 sqft (1.83 acres)

Exterior Amenities

Porch	Slab
Porch Area	252 sqft
Deck Area	91 sqft
Patio Area	91 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	812 WILLOUGHBY RD
City	MONROE
State	NC
Zip	28110-9657
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R-40 UNION
Legal Description	7086-346
Jurisdiction	UNION NC
Township / Civil Division	SANDY RIDGE
Census Block Group	2
Census Block	2007
Census Tract	20308

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	Individual Name on Record
Mailing Address	812 WILLOUGHBY RD, MONROE, NC 28110-9657
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 6, 2015
Deed Sale	May 6, 2015
Prior Sale	May 4, 2010 · Amount on Record
Deed Document Number	201512705
Deed Book / Page	6436 / 177
Last Transfer Date	Jan 6, 2018
Transfer Doc	7086346
Record Updated	Oct 29, 2026

January 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	UNION NC
Recording Date	Jan 12, 2018
Property Address	812 WILLOUGHBY RD, MONROE, NC 28110-9657
Document Number	0007086346
Book / Page	7086 / 346
Instrument Date	Jan 6, 2018
Instrument	0000946
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	CARRINGTON TITLE SERVICES LL

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	Joint Tenants with Right of Survivorship
Address	812 WILLOUGHBY RD, MONROE, NC 28110-9657

Mortgage

Document Number	0000000947
Date	Jan 12, 2018
Instrument	0000947

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	272 Months
Due	Sep 1, 2040

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		$268,200 (-) Land $223,200 Building $45,000	$268,200 (-) Land $223,200 Building $45,000
2025	$1,246.00 (+100.64%)	$268,200 (+170.09%) Land $223,200 Building $45,000	$268,200 (+170.09%) Land $223,200 Building $45,000
2023	$621.00	$99,300 Land $72,800 Building $26,500	$99,300 Land $72,800 Building $26,500

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Ripple Fiber, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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