Union County, North Carolina Court Filings Intelligence
Analysis of property-related court filings (foreclosure, probate, divorce, partition, guardianship) in Union County. See methodology.
Based on public court filings, analyzed by Keystone. As of August 2026.
- Max gross cap rate 4.6% at HUD Fair Market Rent ($20,232/year, 2BR FMR × 12) on the $435,800 median estimated market value. Section-8-eligible rent ceiling; real-market rent typically exceeds FMR; excludes operating costs (taxes, insurance, maintenance, vacancy, management).
About Union County
Union County is a county located in the U.S. state of North Carolina. As of the 2020 census, the population was 238,267. Its county seat is Monroe. Union County is included in the Charlotte-Concord-Gastonia, NC-SC Metropolitan Statistical Area.
Source: Wikipedia
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0% of filings involve owners whose mailing address differs from the property address.
$435,800 median estimated property value across filings with property-value data.
3.5% North Carolina unemployment rate (BLS, as of 2026-05). Filings should be read against the local-economy backdrop.
Filing type breakdown
| Filing type | Share | |
|---|---|---|
| Other | 83.4% | |
| Divorce | 13.0% | |
| Pre-Foreclosure | 1.3% | |
| Probate | 1.0% | |
| Real Estate Dispute | 0.9% | |
| Tax Sale | 0.2% | |
| Guardianship | 0.1% |
Each row is a distinct case as recorded on the county docket.
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Geographic concentration by ZIP
The ZIP codes in Union County with the most property-related court filings, in rank order: where distressed real estate activity clusters.
| Rank | ZIP | City |
|---|---|---|
| 1 | 28173 | |
| 2 | 28110 | |
| 3 | 28103 | |
| 4 | 28104 | |
| 5 | 28112 |
Based on filings with a parseable property address.
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Property value distribution
| Estimated value | Share | |
|---|---|---|
| Under $75k | 0.4% | |
| $75k - $150k | 1.4% | |
| $150k - $250k | 5.3% | |
| $250k - $400k | 33.6% | |
| $400k+ | 59.3% |
Source: property records. Median $435,800; mean $526,633.
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Housing stock + distress signals
Underlying housing stock and distress indicators across all 86730 Union County housing units, from US Census ACS 5-year data. National reference values shown for context.
| Indicator | Union County | US average |
|---|---|---|
| Vacancy rate (incl. seasonal + for-sale) | 5.2% | 10.5% |
| Share of owner-occupied units carrying a mortgage | 72.2% | 60.8% |
| Pre-1940 housing stock | 2.6% | 12.3% |
| Single-family detached share of housing stock | 86.6% | 61.2% |
| Residents age 65 or older | 13.2% | 17.3% |
Source: US Census Bureau American Community Survey (ACS 2023 5-year). National reference values are ACS 2022 5-year US totals. Why these matter: vacancy rate is the strongest single proxy for distressed inventory; mortgage-carrying share defines the risk pool exposed to rate environment; pre-1940 stock signals deferred maintenance and renovation opportunity; senior population correlates with probate pipeline depth.
Rent benchmark (HUD Fair Market Rent)
HUD sets Fair Market Rents at the metro area level, so the same FMRs apply to every county within the metro. Union County sits within the Charlotte-Concord-Gastonia, NC-SC (FY 2026). Used to set Section 8 voucher amounts; investors use it as a defensible rent-estimate floor for buy-to-rent underwriting.
| Unit size | Fair market rent / month |
|---|---|
| Efficiency / studio | $1,469 |
| 1-bedroom | $1,538 |
| 2-bedroom | $1,686 |
| 3-bedroom | $2,076 |
| 4-bedroom | $2,637 |
Source: US Department of Housing and Urban Development, Fair Market Rents (2026). 40th-percentile gross rent including utilities. Why this matters: Section-8-eligible tenants are a baseline demand floor for rental inventory at these price points; FMR is the official ceiling for voucher-eligible rents.
New construction (market momentum)
Annual building permits filed in Union County from the US Census Building Permits Survey. Trend signal on whether new housing demand is accelerating or contracting in this market.
| Indicator | Value |
|---|---|
| Total housing units permitted (2025) | 2,707 |
| Year-over-year change (2024 → 2025) | +16.0% |
| Single-family share of permits (2025) | 88.2% |
| Single-family units permitted | 2,387 |
| Multifamily units permitted (2+ units per building) | 320 |
Source: US Census Bureau Building Permits Survey, annual cumulative data. Why this matters: permits trending up signals strong demand for new inventory; permits contracting at the same time foreclosure activity rises indicates broader market softening (deals price differently). Multifamily share shows whether the market is densifying or holding to single-family stock.
Macro context: state home prices and national delinquency
Union County filings should be read against the broader housing-market backdrop. North Carolina state home-price trend and the national mortgage-delinquency rate are the two macro signals most directly relevant to foreclosure exposure.
| Indicator | Value | Period |
|---|---|---|
| North Carolina home price index (year-over-year) | +2.4% | 2026-01-01 |
| North Carolina home price index (cumulative since 2020) | +72.0% | 2026-01-01 |
| National mortgage delinquency rate (30+ day, single-family) | 1.89% | 2026-01-01 |
Sources: Federal Housing Finance Agency state house price indices (FRED series NCSTHPI); Federal Reserve Board, Mortgage Delinquency 30+Day Rate on Single-Family Residential Mortgages (FRED series DRSFRMACBS). Updated quarterly. Free public data.
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ZIP code distress hotspots
Distress is geographically dispersed, with no single ZIP code dominating. The ZIP codes below are ranked by property-related court filings, most active first.
| Rank | ZIP | Area |
|---|---|---|
| 1 | 28173 | |
| 2 | 28110 | |
| 3 | 28103 | |
| 4 | 28104 | |
| 5 | 28112 |
ZIP codes in rank order, most court filings first.
Non-resident owner analysis
Most filings (100%) involve owner-occupied properties. The relatively low absentee rate suggests distress is primarily hitting homeowners, not institutional investors.
| Case type | Non-resident % |
|---|---|
| Lien | 0.0% |
| Divorce | 0.0% |
| Eviction | 0.0% |
| Contract | 0.0% |
| Pre-Foreclosure | 0.0% |
| Probate | 0.0% |
| Real Estate Dispute | 0.0% |
| Other | 0.0% |
| Personal Property | 0.0% |
| Tax Sale | 22.2% |
| Child Support | 0.0% |
| Negligence | 0.0% |
| Guardianship | 0.0% |
Non-resident = owner's mailing address differs from the property address. Could indicate out-of-state landlords, inherited estates, second homes, or in-transition properties.
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Distress composition
Distress diversity score: 0.93 (Shannon entropy across case types; higher = more diverse distress sources). The case-type shares are in the filing type breakdown above.
Property Value Profile
The median assessed value of properties in court filings is $435,800. Divorce filings involve the highest-value properties (median $554,600), while Real Estate Dispute filings trend lower (median $278,300). The largest segment (55.8%) falls in the $250K - $500K range.
| Value range | Share |
|---|---|
| Under $100K | 1.0% |
| $100K - $250K | 6.4% |
| $250K - $500K | 55.8% |
| $500K - $1M | 31.3% |
| Over $1M | 5.6% |
Value breakdown by case type
| Case type | Median value | Avg value |
|---|---|---|
| Lien | $433,800 | $518,120 |
| Divorce | $554,600 | $629,663 |
| Eviction | $437,800 | $503,957 |
| Pre-Foreclosure | $333,600 | $468,272 |
| Contract | $492,100 | $545,891 |
| Real Estate Dispute | $278,300 | $519,189 |
| Probate | $290,800 | $333,500 |
Based on public property records for properties with court filings. Values are tax-assessed amounts, not market listing prices.
Municipality filing concentration in Union County
Monroe has the most property-related court filings in Union County, predominantly Probate. Filing activity is geographically concentrated in a few municipalities.
| Rank | Municipality | Top case type |
|---|---|---|
| 1 | Monroe | Probate |
| 2 | Matthews | Probate |
| 3 | Waxhaw | Pre-Foreclosure |
| 4 | Wingate | Probate |
| 5 | Indian Trail | Probate |
| 6 | Schertz | Pre-Foreclosure |
| 7 | Marshville | Probate |
| 8 | Pageland | Probate |
Municipalities in rank order, most court filings first, among filings with a municipality on the property record. Municipality names from public property records.
Property Value Distribution
The median property value in distressed filings is $435,800, with the largest concentration (47.3%) in the $300K–$500K range. Divorce filings have the highest median value ($549,800) while Pre-Foreclosure filings are lowest ($333,600).
| Price range | Share | Distribution |
|---|---|---|
| Under $50K | 0.4% | |
| $50K–$100K | 0.7% | |
| $100K–$150K | 1.1% | |
| $150K–$200K | 2.5% | |
| $200K–$300K | 11.1% | |
| $300K–$500K | 47.3% | |
| $500K+ | 37.0% |
Value by case type
| Case type | Median value | Average value |
|---|---|---|
| Lien | $433,800 | $519,130 |
| Divorce | $549,800 | $623,613 |
| Eviction | $437,800 | $503,957 |
| Pre-Foreclosure | $333,600 | $468,272 |
| Contract | $489,300 | $545,890 |
Assessed property values from public property records for filings with a valuation. Values reflect tax-assessed amounts, not market price.
Methodology and data sources
- Based on public court filings, analyzed by Keystone. As of August 2026. Court records are public information.
- These statistics describe property-related court filings in Union County. The owner-of-record match and the entity-owner screen are applied to delivered leads, not to these aggregate statistics.
- Property value figures come from property records where available.
- Individual case data, defendant names, and property addresses are not published. Reports show aggregated statistics only.
- The methodology page at /reports/methodology documents data sources, sample sizes, and known limitations in detail.
- This report is current as of August 2026 (generated 2026-08-03).
Related North Carolina guides
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Cite: Keystone Court Data, "Union County North Carolina Court Filings Intelligence," 2026-08-03, https://keystonecourtdata.com/reports/union-nc-court-filings-intelligence