1205 Ridge Rd, Monroe, NC 28110 Property Records

Union County property record for 1205 Ridge Rd, Monroe, NC 28110

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,454 sqft · built 2016
Lot Size	3 acres (130,680 sqft)
Owner	2 Individual Names on File
Last Sale	$40,000 (Jun 2016)
Tax Bill	$3,451 (2025)
Deeds & Mortgages	Mar 2024 Line of Credit Mar 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`08-240-001F`

Property Details

APN / Parcel Number

Primary APN	`08-240-001F`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,454 sqft Living Area
1st Floor Area	2,454 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Lot Area	130,680 sqft (3 acres)
Garage Type	Attached
Garage Area	719 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	400 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1205 RIDGE RD
City	MONROE
State	NC
Zip	28110-9484
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA-40 UNIO
Legal Description	#1 RIDGE RD OPCJ189 OPCN087
Legal Subdivision	ESTATE OF PAT P PRICE
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	1
Census Block	1041
Census Tract	20205

Owner

1205 Ridge Rd is owned by two individuals who bought it in June 2016.

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

Owner of Record	2 Individual Names on File
Mailing Address	5138 PANHANDLE CIR, MATTHEWS, NC 28104-6056
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
Mar 25, 2024	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Mar 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Jan 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Feb 23, 2022	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 13, 2016 · Amount on File
Deed Sale	Jun 13, 2016 · Amount on File
Deed Document Number	201616691
Deed Book / Page	6696 / 415
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1205 RIDGE RD, MONROE, NC 28110-9484
Transaction Type	Mortgage
Record Updated	Apr 9, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008873490
Date	Mar 25, 2024
Book Page	8873/490
Instrument	6363

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1205 RIDGE RD, MONROE, NC 28110-9484
Transaction Type	Mortgage
Record Updated	Aug 24, 2022
Title Company	ACCURATE TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007598585
Date	Mar 2, 2020
Book Page	7598/585
Instrument	6911

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Change Frequency	5 Years
Min Rate At Change	3.75%
Index	5-Year CMT
Margin	2
Max Rate	6%

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1205 RIDGE RD, MONROE, NC 28110-9484
Transaction Type	Mortgage
Record Updated	Aug 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007943370
Date	Jan 5, 2021
Book Page	7943/370
Instrument	314

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	Feb 1, 2026
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	9.87%
Index	5-Year CMT
Max Rate	9.87%

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1205 RIDGE RD, MONROE, NC 28110-9484
Transaction Type	Mortgage
Record Updated	Aug 24, 2022
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000840731
Date	Feb 23, 2022
Book Page	8407/31
Instrument	6861

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 1205 Ridge Rd was $3,451.

Source: Union County assessment roll, as of March 31, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Union County
Municipality	Unionville Town
Unified School District	Union County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$679,100 (-) Land $100,500 Building $578,600	$679,100 (-) Land $100,500 Building $578,600
2025	$3,451.00	$679,100 Land $100,500 Building $578,600	$679,100 Land $100,500 Building $578,600
2023	$3,176.00	$474,500 Land $51,500 Building $423,000	$474,500 Land $51,500 Building $423,000

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

Flood

FEMA maps place 1205 Ridge Rd in Zone X, an area of minimal flood risk.

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 Policies	4 in force

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 1205 Ridge Rd is low, with less than 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 95% of the US · lower than 97.4% of North Carolina
Wildfire Likelihood	Under 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	UNION COUNTY WATER SYSTEM serves 169,685 people · EPA ID NC0190413
Water Source	Surface water
Last State Inspection	May 2026
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Mar 2020 Haloacetic acids resolved · Jul 2017
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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