1465 Ridge Rd, Monroe, NC 28110 Property Records

Union County property record for 1465 Ridge Rd, Monroe, NC 28110

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,469 sqft · built 2019
Lot Size	3.06 acres (133,555 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,234 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Feb 2021 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`08-273-004K`

Property Details

APN / Parcel Number

Primary APN	`08-273-004K`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,469 sqft Total Area
1st Floor Area	2,088 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Brick
Lot Area	133,555 sqft (3.06 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1465 RIDGE RD
City	MONROE
State	NC
Zip	28110-9486
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3.066A OPCO742-743
Legal Subdivision	GOOSE CREEK TOWNSHIP
Jurisdiction	UNION NC
Township / Civil Division	GOOSE CREEK
Census Block Group	1
Census Block	1034
Census Tract	20205

Owner

1465 Ridge Rd is owned and occupied by two individuals who acquired it in September 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	1465 RIDGE RD, MONROE, NC 28110-9486
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
Feb 17, 2022	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Feb 9, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC
Jul 2, 2024	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Dec 19, 2019	Grant Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Sep 9, 2019
Transfer Doc	0007463675
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1465 RIDGE RD, MONROE, NC 28110-9486
Transaction Type	Mortgage
Record Updated	Mar 31, 2026
Title Company	SERVICELINK EAST ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0008401495
Date	Feb 17, 2022
Book Page	8401/495
Instrument	6005

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 10, 2052

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1465 RIDGE RD, MONROE, NC 28110-9486
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0007983228
Date	Feb 9, 2021
Book Page	7983/228
Instrument	6030

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	PHILADELPHIA, PA 19104

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

July 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1465 RIDGE RD, MONROE, NC 28110-9486
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0008932106
Date	Jul 2, 2024
Book Page	8932/106
Instrument	15309

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

December 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	UNION NC
Recording Date	Dec 19, 2019
Property Address	1465 RIDGE RD, MONROE, NC 28110-9486
Document Number	7544597
Book / Page	007544 / 000597
Instrument Date	Nov 12, 2019
Instrument	39749
Transaction Type	Transfer
Record Updated	Mar 3, 2021
Title Company	NOT AVAILABLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3066 ACRES RIDE RD MONROE NC 28110, MONROE, NC 28110

Tax Assessment & Valuation

The 2025 property tax bill for 1465 Ridge Rd was $3,234.

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
2026		$662,500 (-) Land $102,000 Building $560,500	$662,500 (-) Land $102,000 Building $560,500
2025	$3,234.00	$662,500 Land $102,000 Building $560,500	$662,500 Land $102,000 Building $560,500
2023	$2,776.00	$427,600 Land $52,000 Building $375,600	$427,600 Land $52,000 Building $375,600

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

Flood

FEMA maps place 1465 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 1465 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 97% of the US · lower than 98.5% of North Carolina
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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

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

May also be available: Verizon.

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