1006 Speer Dr, Monroe, NC 28112 Property Records

Union County property record for 1006 Speer Dr, Monroe, NC 28112

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,280 sqft · built 2000
Lot Size	4.5 acres (196,151 sqft)
Owner	2 Individual Names on Record
Last Sale	$425,000 (Feb 2026)
Tax Bill	$1,709 (2025)
Deeds & Mortgages	Feb 2026 Sale & Mortgage Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-201-039`

Property Details

APN / Parcel Number

Primary APN	`04-201-039`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,280 sqft Living Area
Gross Area	1,808 sqft
1st Floor Area	1,280 sqft
Basement Area	672 sqft
Finished Basement	672 sqft
Unfinished Basement	672 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	196,151 sqft (4.5 acres)
Garage Type	Detached
Garage Area	1,568 sqft
Parking Spaces	6 Parking Spaces
Deck Area	50 sqft
Patio Area	50 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1006 SPEER DR
City	MONROE
State	NC
Zip	28112-9556
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA-40 UNIO
Legal Description	#5 RICHARDSON ROAD ESTATES OPCC732
Legal Subdivision	RICHARDSON ROAD ESTATES
Jurisdiction	UNION NC
Township / Civil Division	BUFORD
Census Block Group	1
Census Block	1010
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	1006 SPEER DR, MONROE, NC 28112-9556
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Feb 20, 2026	Warranty Deed, Transfer · FHA Mortgage PRIMIS MORTGAGE CO
Mar 15, 2021	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 20, 2026 · Amount on Record
Deed Sale	Feb 20, 2026 · Amount on Record
Prior Sale	Mar 15, 2021 · Amount on Record
Deed Document Number	20264380
Deed Book / Page	9309 / 484
Prior Transfer Date	Sep 16, 2015
Prior Transfer Doc	6529573
Record Updated	Oct 29, 2026

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Feb 20, 2026
Property Address	1006 SPEER DR, MONROE, NC 28112-9556
Document Number	0009309484
Book / Page	9309 / 484
Map Reference	CAB C FILE 732
Instrument Date	Feb 20, 2026
Instrument	4380
Transaction Type	Transfer
Record Updated	Mar 10, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$850.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004381
Date	Feb 20, 2026
Instrument	4381

Lender

Name	PRIMIS MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Mar 15, 2021
Property Address	1006 SPEER DR, MONROE, NC 28112-9556
Document Number	0008025219
Book / Page	8025 / 219
Map Reference	CAB C FILE 732
Instrument Date	Mar 15, 2021
Instrument	11874
Transaction Type	Transfer
Record Updated	Dec 14, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$592.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	288 CHARLIE STACKS RD, 288, LANCASTER, SC 29720-9634

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011875
Date	Mar 15, 2021
Instrument	11875

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2041

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		$370,800 (-) Land $100,200 Building $270,600	$370,800 (-) Land $100,200 Building $270,600
2025	$1,709.00 (-0.81%)	$370,800 (+33.57%) Land $100,200 Building $270,600	$370,800 (+33.57%) Land $100,200 Building $270,600
2023	$1,723.00	$277,600 Land $38,000 Building $239,600	$277,600 Land $38,000 Building $239,600

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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 16 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

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