1706 Ruben Rd, Monroe, NC 28112 Property Records

Union County property record for 1706 Ruben Rd, Monroe, NC 28112

Property Summary

Property Type	Agricultural Vacant Land
Details	4 bd · 2.5 ba · 2,304 sqft · built 2025
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$598,000 (Oct 2025)
Tax Bill	$169 (2025)
Deeds & Mortgages	Mar 2024 Sale Jul 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-231-038`

Property Details

APN / Parcel Number

Primary APN	`04-231-038`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,304 sqft Living Area
1st Floor Area	2,304 sqft

Exterior

Year Built	Built 2025
Effective Year Built	Effective 2025
Lot Area	43,560 sqft (1 acres)
Porch	Porch
Porch Area	608 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1706 RUBEN RD
City	MONROE
State	NC
Zip	28112-8800
Property Category	Agriculture or Farming
Property Type	Vacant Land > Agricultural
Local Zoning Code	RA-40 UNIO
Legal Description	LOT 1 OPCR845
Legal Subdivision	1409900; #6 FINCHER 1712 RUBEN RD OPCK28
Legal Lot Number	1
Jurisdiction	UNION NC
Township / Civil Division	BUFORD
Census Block Group	4
Census Block	4009
Census Tract	20902

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	2 Individual Names on Record
Mailing Address	1706 RUBEN RD, MONROE, NC 28112-8800
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Mar 19, 2024	Warranty Deed, Transfer
Jul 20, 2022	Warranty Deed, Transfer · Seller Carry-Back WILLIAM COTGREAVE
Sep 29, 2020	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 1, 2025 · Amount on Record
Deed Sale	Oct 1, 2025 · Amount on Record
Prior Sale	Mar 19, 2024 · Amount on Record
Deed Document Number	202525572
Deed Book / Page	9212 / 632
Record Updated	Oct 29, 2026

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Mar 19, 2024
Property Address	1712 RUBEN RD, MONROE, NC 28112-8800
Document Number	0008870513
Book / Page	8870 / 513
Map Reference	CAB R FILE 845
Instrument Date	Mar 19, 2024
Instrument	5875
Transaction Type	Transfer
Record Updated	Apr 3, 2024

Transaction

Amount	Amount Recorded
Tax	$190.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 E MAIN ST, MARSHVILLE, NC 28103-1149
Investor	Possibly a Property Investor

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Jul 20, 2022
Property Address	1712 RUBEN RD, MONROE, NC 28112-8800
Document Number	0008529460
Book / Page	8529 / 460
Map Reference	CAB K FILE 284
Instrument Date	Jul 19, 2022
Instrument	25809
Transaction Type	Transfer
Record Updated	Sep 29, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$250.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15 N OAK ST # ST580, ST580, FELLSMERE, FL 32948-5902

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1712 RUBEN RD, MONROE, NC 28112-8800

Mortgage

Document Number	0000025810
Date	Jul 20, 2022
Instrument	25810

Lender

Name	WILLIAM COTGREAVE
Type	Seller

Agreement

Type	Seller Carry-Back
Amount	Amount Recorded
Term	180 Months
Due	Jul 1, 2037

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Sep 29, 2020
Property Address	1712 RUBEN RD, MONROE, NC 28112-8800
Document Number	7828282
Book / Page	007828 / 000282
Instrument Date	Sep 29, 2020
Instrument	39084
Transaction Type	Transfer
Record Updated	Oct 29, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$1,110.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1712 RUBEN RD MONROE NC 281128800, MONROE, NC 28112-8800

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		$643,400 (+1,648.37%) Land $36,800 Building $606,600	$643,400 (+1,648.37%) Land $36,800 Building $606,600
2025	$169.00 (-55.99%)	$36,800 (-40.65%) Land $36,800	$36,800 (-40.65%) Land $36,800
2023	$384.00	$62,000 (-) Land $62,000	$62,000 (-) Land $62,000
2022	$384.00	$62,000 Land $62,000	$62,000 Land $62,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Adjoins Burnable Land	Yes

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

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Ruben Rd

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