1007 Zephyr Cir, Monroe, NC 28110 Property Records

Union County property record for 1007 Zephyr Cir, Monroe, NC 28110

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,040 sqft · built 1987
Lot Size	1.14 acres (49,658 sqft)
Owner	Individual Name on Record
Last Sale	$335,000 (Jun 2020)
Tax Bill	$4,939 (2025)
Deeds & Mortgages	Jun 2020 Sale & Mortgage Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-105-034`

Property Details

APN / Parcel Number

Primary APN	`09-105-034`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	3,040 sqft Living Area
Gross Area	3,664 sqft
1st Floor Area	1,400 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	49,658 sqft (1.14 acres)
Garage Type	Attached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	8 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1007 ZEPHYR CIR
City	MONROE
State	NC
Zip	28110-8803
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-40 MONRO
Legal Description	#25 LAKESIDE OPCB320B
Legal Subdivision	LAKESIDE
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	3
Census Block	3019
Census Tract	20601

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	1007 ZEPHYR CIR, MONROE, NC 28110-8803
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2020	Warranty Deed, Transfer · VA Mortgage WELLS FARGO BANK NA
Oct 22, 2018	Warranty Deed, Transfer BBT SERIES XVI LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 3, 2020 · Amount on Record
Deed Sale	Jun 3, 2020 · Amount on Record
Prior Sale	Oct 22, 2018 · Amount on Record
Deed Document Number	202019577
Deed Book / Page	7689 / 866
Record Updated	Oct 29, 2026

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Jun 3, 2020
Property Address	1007 ZEPHYR CIR, MONROE, NC 28110-8803
Document Number	0007689866
Book / Page	7689 / 866
Map Reference	CAB B FILE 320-B
Instrument Date	Jun 3, 2020
Instrument	19577
Transaction Type	Transfer
Record Updated	Aug 24, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$670.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2616 COMMONWEALTH AVE, 2616, CHARLOTTE, NC 28205-5305

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1007 ZEPHYR CIR, MONROE, NC 28110-8803

Mortgage

Document Number	0000019578
Date	Jun 3, 2020
Instrument	19578

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Oct 22, 2018
Property Address	1007 ZEPHYR CIR, MONROE, NC 28110-8803
Document Number	7256123
Book / Page	007256 / 000123
Instrument Date	Oct 22, 2018
Instrument	29680
Transaction Type	Transfer
Record Updated	Nov 14, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$430.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2616 COMMONWEALTH AVE CHARLOTTE NC 282055305, CHARLOTTE, NC 28205-5305

Mortgage

Document Number	7256125
Date	Oct 22, 2018
Book Page	007256/000125
Instrument	29681

Lender

Name	BBT SERIES XVI LLC
Address	HOUSTON, TX 77002

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

Source: Union County assessment roll, as of March 31, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Union County
Municipality	Monroe City
Unified School District	Union County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$464,300 (-) Land $87,000 Building $377,300	$464,300 (-) Land $87,000 Building $377,300
2025	$4,939.00 (+27.23%)	$464,300 (+30.42%) Land $87,000 Building $377,300	$464,300 (+30.42%) Land $87,000 Building $377,300
2023	$3,882.00	$356,000 Land $50,000 Building $306,000	$356,000 Land $50,000 Building $306,000

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 · 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 Claims	1 (2016)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 2016 · river or lake flooding

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	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	CITY OF MONROE serves 43,081 people · EPA ID NC0190010
Water Source	Surface water
Last State Inspection	Nov 2025
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Aug 2025
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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 87 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

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