822 Willoughby Rd, Monroe, NC 28110 Property Records

Union County property record for 822 Willoughby Rd, Monroe, NC 28110

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 780 sqft · built 1930
Lot Size	1.85 acres (80,847 sqft)
Owner	Individual Name on Record
Last Sale	$55,000 (Nov 2016)
Tax Bill	$1,049 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-405-002A`

Property Details

APN / Parcel Number

Primary APN	`09-405-002A`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	780 sqft Living Area
1st Floor Area	780 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Wood
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	80,847 sqft (1.85 acres)
Porch	Slab
Porch Area	220 sqft

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	822 WILLOUGHBY RD
City	MONROE
State	NC
Zip	28110-9657
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-40 UNION
Legal Description	6811-594 LESS OPCR213
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	822 WILLOUGHBY RD, MONROE, NC 28110-9657
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 16, 2025	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Aug 27, 2021	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Apr 26, 2019	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 3, 2016 · Amount on Record
Deed Sale	Nov 3, 2016 · Amount on Record
Deed Document Number	201634632
Deed Book / Page	6811 / 594
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	822 WILLOUGHBY RD, MONROE, NC 28110-9657
Transaction Type	Mortgage
Record Updated	Jan 2, 2026
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	822 WILLOUGHBY RD, MONROE, NC 28110-9657

Mortgage

Document Number	0000926860
Date	Dec 16, 2025
Book Page	9268/60
Instrument	33420

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	822 WILLOUGHBY RD, MONROE, NC 28110-9657
Transaction Type	Mortgage
Record Updated	Sep 14, 2021
Title Company	AMROCK INC, AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	8220655
Date	Aug 27, 2021
Book Page	8220/655
Instrument	40664

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	822 WILLOUGHBY RD, MONROE, NC 28110-9657
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	COMMONWEALTH USA SETTLEMENTS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7357378
Date	Apr 26, 2019
Book Page	7357/378
Instrument	0010948

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

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		$270,800 (-) Land $224,400 Building $46,400	$270,800 (-) Land $224,400 Building $46,400
2025	$1,049.00 (+90.38%)	$270,800 (+103.3%) Land $224,400 Building $46,400	$270,800 (+103.3%) Land $224,400 Building $46,400
2023	$551.00	$133,200 Land $77,000 Building $56,200	$133,200 Land $77,000 Building $56,200

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

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