1609 Ridge Rd, Monroe, NC 28110 Property Records

Union County property record for 1609 Ridge Rd, Monroe, NC 28110

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,428 sqft · built 1956
Lot Size	1.55 acres (67,736 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,666 (2025)
Deeds & Mortgages	Jul 2021 Mortgage May 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-240-012K`

Property Details

APN / Parcel Number

Primary APN	`08-240-012K`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,428 sqft Living Area
1st Floor Area	1,428 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Architectural Style	Conventional
Construction Type	Wood
Roof Type	Gable
Lot Area	67,736 sqft (1.55 acres)

Exterior Amenities

Porch	Slab
Porch Area	192 sqft
Deck Area	64 sqft
Patio Area	64 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	1609 RIDGE RD
City	MONROE
State	NC
Zip	28110-9488
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA-40 UNIO
Legal Description	OPCL509 LESS ROW PLUS #2 OPCQ405
Legal Subdivision	JUDY HELMS PRICE ESTATE
Jurisdiction	UNION NC
Township / Civil Division	GOOSE CREEK
Census Block Group	1
Census Block	1035
Census Tract	20205

Owner

1609 Ridge Rd is owned and occupied by two individuals who acquired it in September 2011.

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

Owner of Record	2 Individual Names on File
Mailing Address	1609 RIDGE RD, MONROE, NC 28110-9488
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
Jul 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 26, 2023	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Apr 14, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Sep 19, 2011
Transfer Doc	0005603655
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1609 RIDGE RD, MONROE, NC 28110-9488
Transaction Type	Mortgage
Record Updated	Nov 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008160812
Date	Jul 6, 2021
Book Page	8160/812
Instrument	31805

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2036

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1609 RIDGE RD, MONROE, NC 28110-9488
Transaction Type	Mortgage
Record Updated	Nov 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008715629
Date	May 26, 2023
Book Page	8715/629
Instrument	12529

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

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	UNION NC
Recording Date	Apr 14, 2022
Property Address	1609 RIDGE RD, MONROE, NC 28110-9488
Document Number	0008453286
Book / Page	8453 / 286
Map Reference	CAB Q FILE 405
Instrument Date	Mar 18, 2022
Instrument	13878
Transaction Type	Transfer
Record Updated	Nov 21, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1609 RIDGE RD, MONROE, NC 28110-9488

Tax Assessment & Valuation

The 2025 property tax bill for 1609 Ridge Rd was $1,666.

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		$328,000 (-) Land $84,700 Building $243,300	$328,000 (-) Land $84,700 Building $243,300
2025	$1,666.00	$328,000 Land $84,700 Building $243,300	$328,000 Land $84,700 Building $243,300
2023	$739.00	$110,400 Land $35,400 Building $75,000	$110,400 Land $35,400 Building $75,000

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

Flood

FEMA maps place 1609 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 1609 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 99.1% of the US · lower than 99.5% 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 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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