Union County property record for 1012 Zephyr Cir, Monroe, NC 28110
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,149 sqft · built 1996 |
| Lot Size | 0.92 acres (40,075 sqft) |
| Owner | Individual Name on File |
| Last Sale | $176,000 (Nov 2005) |
| Tax Bill | $3,478 (2025) |
| Deeds & Mortgages | Mar 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-105-026 |
| Primary APN | 09-105-026 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,149 sqft Living Area |
| Gross Area | 2,701 sqft |
| 1st Floor Area | 1,056 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 40,075 sqft (0.92 acres) |
| Garage Type | Attached |
| Garage Area | 552 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 264 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 1012 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 | #17 LAKESIDE OPCB320B |
| Legal Subdivision | LAKESIDE |
| Legal Lot Number | 17 |
| Jurisdiction | UNION NC |
| Township / Civil Division | MONROE |
| Census Block Group | 3 |
| Census Block | 3019 |
| Census Tract | 20601 |
Source: Union County assessment roll, as of March 31, 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 File |
|---|---|
| Mailing Address | 1012 ZEPHYR CIR, MONROE, NC 28110-8803 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 18, 2005 · Amount on Record |
| Deed Sale | Nov 18, 2005 · Amount on Record |
| Prior Sale | Feb 26, 1999 · Amount on Record |
| Deed Document Number | 20055688 |
| Deed Book / Page | 3986 / 701 |
| Prior Transfer Date | Jun 11, 1996 |
| Prior Transfer Doc | 0876000918 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 1012 ZEPHYR CIR, MONROE, NC 28110-8803 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 6886108 |
|---|---|
| Date | Mar 2, 2017 |
| Book Page | 6886/108 |
| Instrument | 0005751 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | HORSHAM, PA 19044 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Apr 1, 2027 |
Source: Union County assessment roll, as of March 31, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Union County |
| Municipality | Monroe City |
| Unified School District | Union County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,478.00 (+11.87%) | $397,900 (+39.57%) Land $85,300 Building $312,600 | $397,900 (+39.57%) Land $85,300 Building $312,600 |
| 2023 | $3,109.00 | $285,100 Land $48,900 Building $236,200 | $285,100 Land $48,900 Building $236,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 at the parcel |
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 |
| 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.
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 |
5G and 4G LTE (outdoors only)
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