1701 Ridge Rd, Monroe, NC 28110 Property Records

Union County property record for 1701 Ridge Rd, Monroe, NC 28110

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,644 sqft · built 2017
Lot Size	1.95 acres (84,942 sqft)
Owner	Individual Name on Record
Tax Bill	$2,383 (2025)
Deeds & Mortgages	Sep 2021 Line of Credit Aug 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`08-237-001F`

Property Details

APN / Parcel Number

Primary APN	`08-237-001F`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,644 sqft Living Area
Gross Area	1,538 sqft
1st Floor Area	1,644 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Wood Siding
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	84,942 sqft (1.95 acres)
Garage Type	Attached
Garage Area	539 sqft
Porch	Slab
Porch Area	504 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1701 RIDGE RD
City	MONROE
State	NC
Zip	28110-9489
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA-40 UNIO
Legal Description	6644-632
Legal Subdivision	PROVIDENCE GLEN SUBDIVISION
Jurisdiction	UNION NC
Township / Civil Division	GOOSE CREEK
Census Block Group	1
Census Block	1034
Census Tract	20205

Owner

Source: Union County records, as of October 20, 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 Record
Mailing Address	1701 RIDGE RD, MONROE, NC 28110-9489
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 3, 2021	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Aug 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Aug 20, 2018	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU OF MARYLAND
Mar 7, 2017	Trustee's Deed, Construction Loan · Construction Mortgage STATE EMPS FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Mar 30, 2016
Transfer Doc	6644632
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1701 RIDGE RD, MONROE, NC 28110-9489
Transaction Type	Mortgage
Record Updated	Sep 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	8230337
Date	Sep 3, 2021
Book Page	8230/337
Instrument	41954

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	CHARLOTTE, NC 28229

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1701 RIDGE RD, MONROE, NC 28110-9489
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7776338
Date	Aug 18, 2020
Book Page	7776/338
Instrument	31750

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Type Change Date	Sep 1, 2025
Change Frequency	5 Years
Min Rate At Change	3.25%
Max Rate At Change	5.37%
Index	5-Year CMT
Max Rate	9.37%

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1701 RIDGE RD, MONROE, NC 28110-9489
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7219326
Date	Aug 20, 2018
Book Page	7219/326
Instrument	0023501

Lender

Name	STATE EMPLOYEES CU OF MARYLAND
Type	Credit Union
Address	CHARLOTTE, NC 28212

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	UNION NC
Recording Date	Mar 7, 2017
Property Address	1701 RIDGE RD, MONROE, NC 28110-9489
Book / Page	006888 / 000511
Instrument Date	Mar 3, 2017
Instrument	6146
Transaction Type	Construction Loan
Record Updated	May 23, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1701 RIDGE RD MONROE NC 281109489, MONROE, NC 28110-9489

Mortgage

Document Number	6888511
Date	Mar 7, 2017
Book Page	006888/000511
Instrument	6146

Lender

Name	STATE EMPS FCU
Type	Credit Union
Address	RALEIGH, NC 27611-5279

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 6, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.25%

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
2026		$488,300 (-) Land $96,100 Building $392,200	$488,300 (-) Land $96,100 Building $392,200
2025	$2,383.00 (+13.31%)	$488,300 (+50.76%) Land $96,100 Building $392,200	$488,300 (+50.76%) Land $96,100 Building $392,200
2023	$2,103.00	$323,900 Land $43,600 Building $280,300	$323,900 Land $43,600 Building $280,300

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 · 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

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

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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Ridge Rd

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