821 Victorian Ln, Monroe, NC 28112 Property Records

Union County property record for 821 Victorian Ln, Monroe, NC 28112

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,700 sqft · built 1986
Lot Size	2.6 acres (113,300 sqft)
Owner	2 Individual Names on File
Last Sale	$349,000 (Mar 2019)
Tax Bill	$2,801 (2025)
Deeds & Mortgages	Oct 2023 Mortgage Oct 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09-161-023`

Property Details

APN / Parcel Number

Primary APN	`09-161-023`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,700 sqft Living Area
1st Floor Area	1,924 sqft
Basement Area	1,200 sqft
Finished Basement	576 sqft
Unfinished Basement	624 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	113,300 sqft (2.6 acres)

Exterior Amenities

Porch	Slab
Porch Area	216 sqft
Deck Area	420 sqft
Patio Area	420 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	821 VICTORIAN LN
City	MONROE
State	NC
Zip	28112-7332
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-20 MONRO
Legal Description	#8 VICTORIAN LANE OPCB130B PLUS 8614-855
Legal Subdivision	VICTORIAN ACRES
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	2
Census Block	2036
Census Tract	20602

Owner

821 Victorian Ln is owned and occupied by two individuals who bought it in March 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	821 VICTORIAN LN, MONROE, NC 28112-7332
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Oct 9, 2023	Deed of Trust, Mortgage · Conventional Mortgage THIRD FSLA OF CLEVELAND
Oct 30, 2023	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Nov 9, 2022	Correction Deed
May 4, 2020	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 1, 2019 · Amount on File
Deed Sale	Mar 1, 2019 · Amount on File
Prior Sale	Oct 11, 2011 · Amount on File
Deed Document Number	20195206
Deed Book / Page	7322 / 731
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	821 VICTORIAN LN, MONROE, NC 28112-7332
Transaction Type	Mortgage
Record Updated	May 21, 2024
Title Company	TITLE365 - OMAHA, TITLE365 OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	821 VICTORIAN LN, MONROE, NC 28112-7332

Mortgage

Document Number	0000879419
Date	Oct 9, 2023
Book Page	8794/19
Instrument	24503

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	119 Months
Due	Sep 25, 2033

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	821 VICTORIAN LN, MONROE, NC 28112-7332
Transaction Type	Mortgage
Record Updated	Jan 9, 2024
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	821 VICTORIAN LN, MONROE, NC 28112-7332

Mortgage

Document Number	0008804705
Date	Oct 30, 2023
Book Page	8804/705
Instrument	26270

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2022: Correction Deed

Document Type	Correction Deed
Jurisdiction	UNION NC
Recording Date	Nov 9, 2022
Property Address	821 VICTORIAN LN, MONROE, NC 28112-7332
Document Number	0008605680
Book / Page	8605 / 680
Map Reference	CAB B FILE 130-B
Instrument Date	Nov 3, 2022
Instrument	37791
Record Updated	Nov 29, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	821 VICTORIAN LN, MONROE, NC 28112-7332
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7657270
Date	May 4, 2020
Book Page	7657/270
Instrument	15112

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Apr 25, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 821 Victorian Ln was $2,801.

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		$585,800 (-) Land $166,000 Building $419,800	$585,800 (-) Land $166,000 Building $419,800
2025	$2,801.00	$585,800 Land $166,000 Building $419,800	$585,800 Land $166,000 Building $419,800
2023	$2,316.00	$371,900 Land $112,700 Building $259,200	$371,900 Land $112,700 Building $259,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 821 Victorian Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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

Wildfire risk around 821 Victorian Ln is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 97.4% of North Carolina
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Victorian Ln

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