1010 Zephyr Cir, Monroe, NC 28110 Property Records

Union County property record for 1010 Zephyr Cir, Monroe, NC 28110

Property Summary

Property Type	Rural Home
Details	4 bd · 3.5 ba · 2,428 sqft · built 1988
Lot Size	0.92 acres (40,075 sqft)
Owner	2 Individual Names on File
Last Sale	$288,000 (Feb 2020)
Tax Bill	$3,582 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Feb 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-105-027`

Property Details

APN / Parcel Number

Primary APN	`09-105-027`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,428 sqft Living Area
Gross Area	2,956 sqft
1st Floor Area	1,008 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	40,075 sqft (0.92 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
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	1010 ZEPHYR CIR
City	MONROE
State	NC
Zip	28110-8803
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R-40 MONRO
Legal Description	#18 LAKESIDE OPCB320B
Legal Subdivision	LAKESIDE
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	3
Census Block	3019
Census Tract	20601

Owner

1010 Zephyr Cir, a rural home, is owned and occupied by two individuals who bought it in February 2020.

Source: Union County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1010 ZEPHYR CIR, MONROE, NC 28110-8803
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage MOVEMENT MORTGAGE
Feb 20, 2020	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 20, 2020 · Amount on File
Deed Sale	Feb 20, 2020 · Amount on File
Deed Document Number	20205609
Deed Book / Page	7589 / 495
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1010 ZEPHYR CIR, MONROE, NC 28110-8803
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7902796
Date	Nov 30, 2020
Book Page	7902/796
Instrument	49485

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company
Address	FORT MILL, SC 29707

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Feb 20, 2020
Property Address	1010 ZEPHYR CIR, MONROE, NC 28110-8803
Document Number	0007589495
Book / Page	7589 / 495
Map Reference	CAB B FILE 320-B
Instrument Date	Feb 16, 2020
Instrument	0005609
Transaction Type	Transfer
Record Updated	Dec 14, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$576.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1010 ZEPHYR CIR, 1010, MONROE, NC 28110-8803

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1010 ZEPHYR CIR, MONROE, NC 28110-8803

Mortgage

Document Number	0000005610
Date	Feb 20, 2020
Instrument	0005610

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1010 Zephyr Cir was $3,582.

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		$409,800 (-) Land $85,300 Building $324,500	$409,800 (-) Land $85,300 Building $324,500
2025	$3,582.00	$409,800 Land $85,300 Building $324,500	$409,800 Land $85,300 Building $324,500
2023	$3,085.00	$282,900 Land $48,900 Building $234,000	$282,900 Land $48,900 Building $234,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1010 Zephyr Cir in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2016.

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

Wildfire risk around 1010 Zephyr Cir is low, with a 0.01% annual chance of 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 and 4G LTE (outdoors only)

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