1406 Circle S Ranch Rd, Monroe, NC 28112 Property Records

Union County property record for 1406 Circle S Ranch Rd, Monroe, NC 28112

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,288 sqft · built 1950
Lot Size	1.23 acres (53,753 sqft)
Owner	Individual Name on File
Last Sale	$195,000 (May 2022)
Tax Bill	$1,158 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit May 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-207-001`

Property Details

APN / Parcel Number

Primary APN	`04-207-001`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,288 sqft Living Area
1st Floor Area	1,288 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	No Foundation
Roof Material	Composition Shingle
Lot Area	53,753 sqft (1.23 acres)
Porch	Slab
Porch Area	284 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	1406 CIRCLE S RANCH RD
City	MONROE
State	NC
Zip	28112-9352
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA-40 UNIO
Legal Description	1.234A OPCP003
Jurisdiction	UNION NC
Township / Civil Division	BUFORD
Census Block Group	1
Census Block	1014
Census Tract	20902

Owner

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	1406 CIRCLE S RANCH RD, MONROE, NC 28112-9352
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 29, 2026	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA
May 11, 2022	Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK NA

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 11, 2022 · Amount on Record
Deed Sale	May 11, 2022 · Amount on Record
Prior Sale	Jun 10, 2009 · Amount on Record
Deed Document Number	202217382
Deed Book / Page	8475 / 647
Record Updated	Jun 8, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1406 CIRCLE S RANCH RD, MONROE, NC 28112-9352
Transaction Type	Mortgage
Record Updated	Feb 10, 2026
Title Company	ACCURATE GROUP, ACCURATE GROUP LLC OH

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1406 CIRCLE S RANCH RD, MONROE, NC 28112-9352

Mortgage

Document Number	0009294131
Date	Jan 29, 2026
Book Page	9294/131
Instrument	2278

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 25, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	May 11, 2022
Property Address	1406 CIRCLE S RANCH RD, MONROE, NC 28112-9352
Document Number	0008475647
Book / Page	8475 / 647
Instrument Date	Apr 20, 2022
Instrument	17382
Transaction Type	Transfer
Record Updated	May 27, 2022
Title Company	24 HOUR TITLE LLC, 24 HOUR TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$390.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1306 CIRCLE S RANCH RD, 1306, MONROE, NC 28112-9351

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1406 CIRCLE S RANCH RD, MONROE, NC 28112-9352

Mortgage

Document Number	0000017383
Date	May 11, 2022
Instrument	17383

Lender

Name	FIFTH THIRD BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,158.00 (+30.26%)	$251,300 (+75.49%) Land $43,000 Building $208,300	$251,300 (+75.49%) Land $43,000 Building $208,300
2023	$889.00	$143,200 Land $26,200 Building $117,000	$143,200 Land $26,200 Building $117,000

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 14, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

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	Indirect within ember reach

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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Circle S Ranch Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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