1019 Zephyr Cir, Monroe, NC 28110 Property Records

Union County property record for 1019 Zephyr Cir, Monroe, NC 28110

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,340 sqft · built 1988
Lot Size	1.04 acres (45,302 sqft)
Owner	Individual Name on File
Last Sale	$461,000 (May 2022)
Tax Bill	$4,030 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-105-038`

Property Details

APN / Parcel Number

Primary APN	`09-105-038`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,340 sqft Living Area
Gross Area	2,940 sqft
1st Floor Area	950 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Colonial
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	45,302 sqft (1.04 acres)
Garage Type	Attached
Garage Area	600 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	1019 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	#29 LAKESIDE OPCB320B
Legal Subdivision	LAKESIDE
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	3
Census Block	3019
Census Tract	20601

Owner

1019 Zephyr Cir is owned and occupied by an individual who bought it in May 2022.

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

Owner of Record	Individual Name on File
Mailing Address	1019 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
May 6, 2022	Warranty Deed, Transfer · Conventional Mortgage VAN DYK MORTGAGE CORP
Jul 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Jun 27, 2018	Warranty Deed, Transfer · ARM FIFTH THIRD MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 6, 2022 · Amount on File
Deed Sale	May 6, 2022 · Amount on File
Prior Sale	Jun 27, 2018 · Amount on File
Deed Document Number	202216865
Deed Book / Page	8472 / 587
Record Updated	Oct 29, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	May 6, 2022
Property Address	1019 ZEPHYR CIR, MONROE, NC 28110-8803
Document Number	0008472587
Book / Page	8472 / 587
Map Reference	CAB B FILE 320-B
Instrument Date	May 6, 2022
Instrument	16865
Transaction Type	Transfer
Record Updated	May 27, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$922.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2212 MEDLIN RD, 2212, MONROE, NC 28112-7467

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1019 ZEPHYR CIR, MONROE, NC 28110-8803

Mortgage

Document Number	0000016866
Date	May 6, 2022
Instrument	16866

Lender

Name	VAN DYK MORTGAGE CORP
Type	Mortgage Company

Agreement

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

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1019 ZEPHYR CIR, MONROE, NC 28110-8803
Transaction Type	Mortgage
Record Updated	Aug 6, 2021
Title Company	WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	8177135
Date	Jul 21, 2021
Book Page	8177/135
Instrument	34294

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Jun 27, 2018
Property Address	1019 ZEPHYR CIR, MONROE, NC 28110-8803
Document Number	0007184268
Book / Page	7184 / 268
Map Reference	CAB B FILE 320-B
Instrument Date	Jun 18, 2018
Instrument	0017631
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	$488.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6924 CREFT CIR, 6924, INDIAN TRAIL, NC 28079-4500

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1019 ZEPHYR CIR, MONROE, NC 28110-8803

Mortgage

Document Number	0000017632
Date	Jun 27, 2018
Instrument	0017632

Lender

Name	FIFTH THIRD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Type Change Date	Jul 1, 2025
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.37%
Index	1-Year LIBOR
Max Rate	9.37%

Tax Assessment & Valuation

The 2025 property tax bill for 1019 Zephyr Cir was $4,030.

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		$461,000 (-) Land $86,200 Building $374,800	$461,000 (-) Land $86,200 Building $374,800
2025	$4,030.00	$461,000 Land $86,200 Building $374,800	$461,000 Land $86,200 Building $374,800
2023	$3,219.00	$295,200 Land $49,500 Building $245,700	$295,200 Land $49,500 Building $245,700

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

Flood

FEMA maps place 1019 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 1019 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