Union County property record for 1027 Zephyr Cir, Monroe, NC 28110
| Property Type | Rural Home |
|---|---|
| Details | 4 bd · 2 ba · 2,037 sqft · built 1996 |
| Lot Size | 0.94 acres (40,946 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $195,000 (Oct 2014) |
| Tax Bill | $3,963 (2025) |
| Deeds & Mortgages | Oct 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-105-041 |
| Primary APN | 09-105-041 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 2,037 sqft Living Area |
| Gross Area | 2,589 sqft |
| 1st Floor Area | 2,037 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 40,946 sqft (0.94 acres) |
| Garage Type | Attached |
| Garage Area | 552 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 220 sqft |
| Patio Area | 220 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 1027 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 | #32 LAKESIDE OPCB320B |
| Legal Subdivision | LAKESIDE |
| Jurisdiction | UNION NC |
| Township / Civil Division | MONROE |
| Census Block Group | 3 |
| Census Block | 3019 |
| Census Tract | 20601 |
1027 Zephyr Cir, a rural home, is owned and occupied by two individuals who bought it in October 2014.
Source: Union County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1027 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 8, 2014 · Amount on File |
| Deed Sale | Oct 8, 2014 · Amount on File |
| Prior Sale | Jul 28, 2008 · Amount on File |
| Deed Document Number | 201426825 |
| Deed Book / Page | 6315 / 90 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 1027 ZEPHYR CIR, MONROE, NC 28110-8803 |
| Transaction Type | Mortgage |
| Record Updated | Nov 1, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0008592295 |
|---|---|
| Date | Oct 18, 2022 |
| Book Page | 8592/295 |
| Instrument | 35656 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | RICHMOND, VA 23224 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Nov 1, 2037 |
The 2025 property tax bill for 1027 Zephyr Cir was $3,963.
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 |
|---|---|---|---|
| 2026 | $453,400 (-) Land $85,400 Building $368,000 | $453,400 (-) Land $85,400 Building $368,000 | |
| 2025 | $3,963.00 | $453,400 Land $85,400 Building $368,000 | $453,400 Land $85,400 Building $368,000 |
| 2023 | $3,359.00 | $308,100 Land $49,000 Building $259,100 | $308,100 Land $49,000 Building $259,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1027 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 risk around 1027 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.
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 19 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
5G (outdoors only) and 4G LTE
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