1001 Circle S Ranch Rd, Monroe, NC 28112 Property Records

Union County property record for 1001 Circle S Ranch Rd, Monroe, NC 28112

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,236 sqft · built 1954
Lot Size	15.9 acres (693,998 sqft)
Owner	2 Individual Names on Record
Last Sale	$15,500 (Mar 2022)
Tax Bill	$2,361 (2025)
Deeds & Mortgages	Nov 2023 Line of Credit Apr 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`04-180-001`

Property Details

APN / Parcel Number

Primary APN	`04-180-001`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,236 sqft Living Area
1st Floor Area	1,236 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	693,998 sqft (15.9 acres)
Porch	Slab
Porch Area	144 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1001 CIRCLE S RANCH RD
City	MONROE
State	NC
Zip	28112-9348
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA-40 UNIO
Legal Description	TRACT 1 & TRACT 2A OPCL483, OPCP872, 360-631: 8452-0656
Legal Tract	1
Jurisdiction	UNION NC
Township / Civil Division	BUFORD
Census Block Group	1
Census Block	1016
Census Tract	20902

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	2 Individual Names on Record
Mailing Address	919 CIRCLE S RANCH RD, MONROE, NC 28112-9507
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 9, 2023	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Apr 13, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 31, 2022 · Amount on Record
Deed Sale	Mar 31, 2022 · Amount on Record
Deed Document Number	202211961
Deed Book / Page	8440 / 671
Prior Transfer Date	Mar 26, 2022
Prior Transfer Doc	0008452656
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1001 CIRCLE S RANCH RD, MONROE, NC 28112-9348
Transaction Type	Mortgage
Record Updated	Dec 4, 2023
Title Company	STEWART TITLE, STEWART TTL GUARANTY NON CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5009 WALT GAY RD, MONROE, NC 28112-9343

Mortgage

Document Number	0008810458
Date	Nov 9, 2023
Book Page	8810/458
Instrument	27185

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	UNION NC
Recording Date	Apr 13, 2022
Property Address	1001 CIRCLE S RANCH RD, MONROE, NC 28112-9348
Document Number	0008452656
Book / Page	8452 / 656
Map Reference	MB 360 PG 631
Instrument Date	Mar 26, 2022
Instrument	13774
Transaction Type	Transfer
Record Updated	Apr 25, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	919 CIRCLE S RANCH RD, MONROE, NC 28112-9507

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		$661,800 (+29.16%) Land $198,200 Building $463,600	$661,800 (-) Land $198,200 Building $463,600
2025	$2,361.00 (+20.21%)	$512,400 (+29.04%) Land $48,800 Building $463,600	$661,800 (+66.66%) Land $198,200 Building $463,600
2023	$1,964.00	$397,100 Land $110,100 Building $287,000	$397,100 Land $110,100 Building $287,000

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	0.02% 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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Starlink Satellite	280 / 30
AT&T Fixed Wireless	25 / 3
Frontier DSL	10 / 1

Cell Coverage

5G (outdoors only) and 4G LTE

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