1015 Zephyr Cir, Monroe, NC 28110 Property Records

Union County property record for 1015 Zephyr Cir, Monroe, NC 28110

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,092 sqft · built 1991
Lot Size	1.17 acres (51,096 sqft)
Owner	2 Individual Names on File
Last Sale	$150,000 (Aug 1999)
Tax Bill	$4,000 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Sep 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`09-105-036`

Property Details

APN / Parcel Number

Primary APN	`09-105-036`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,092 sqft Living Area
Gross Area	2,620 sqft
1st Floor Area	1,092 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	51,096 sqft (1.17 acres)
Garage Type	Detached
Garage Area	1,128 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1015 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	#27 LAKESIDE, PLUS LOT
Legal Subdivision	LAKESIDE
Legal Lot Number	27
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	3
Census Block	3019
Census Tract	20601

Owner

1015 Zephyr Cir is owned and occupied by two individuals who bought it in August 1999.

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

Owner of Record	2 Individual Names on File
Mailing Address	1015 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
Jan 24, 2022	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Sep 10, 2019	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 1999 · Amount on File
Deed Sale	Aug 31, 1999 · Amount on File
Deed Document Number	1999706
Deed Book / Page	1295 / 312
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1015 ZEPHYR CIR, MONROE, NC 28110-8803
Transaction Type	Mortgage
Record Updated	Feb 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008380347
Date	Jan 24, 2022
Book Page	8380/347
Instrument	2819

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2037

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1015 ZEPHYR CIR, MONROE, NC 28110-8803
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7460590
Date	Sep 10, 2019
Book Page	7460/590
Instrument	0027122

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 1015 Zephyr Cir was $4,000.

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		$457,600 (-) Land $87,300 Building $370,300	$457,600 (-) Land $87,300 Building $370,300
2025	$4,000.00	$457,600 Land $87,300 Building $370,300	$457,600 Land $87,300 Building $370,300
2023	$3,485.00	$319,600 Land $50,200 Building $269,400	$319,600 Land $50,200 Building $269,400

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

Flood

FEMA maps place 1015 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 1015 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)

Nearby Properties on Zephyr Cir

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures