1712 Ruben Rd, Monroe, NC 28112 Property Records

Union County property record for 1712 Ruben Rd, Monroe, NC 28112

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,739 sqft · built 1999
Lot Size	15.3 acres (669,648 sqft)
Owner	Individual Name on File
Last Sale	$555,000 (Sep 2020)
Tax Bill	$3,667 (2025)
Deeds & Mortgages	Jul 2024 Mortgage Oct 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-231-039`

Property Details

APN / Parcel Number

Primary APN	`04-231-039`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	2,739 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	669,648 sqft (15.3 acres)
Garage Type	Detached
Garage Area	1,782 sqft
Parking Spaces	6 Parking Spaces
Porch	Slab
Porch Area	608 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1712 RUBEN RD
City	MONROE
State	NC
Zip	28112-8800
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA-40 UNIO
Legal Description	#7 FINCHER OPCK284 PLUS 0.043A OPCS030; 8915-0386
Legal Subdivision	RUTH M FINCHERS PROPERTY
Jurisdiction	UNION NC
Township / Civil Division	BUFORD
Census Block Group	4
Census Block	4009
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	1712 RUBEN RD, MONROE, NC 28112-8800
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 9, 2024	Deed of Trust, Mortgage MINT HILL INVESTORS LLC
Oct 1, 2025	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 29, 2020 · Amount on Record
Deed Sale	Sep 29, 2020 · Amount on Record
Prior Sale	Jul 15, 2013 · Amount on Record
Deed Document Number	202039084
Deed Book / Page	7828 / 282
Record Updated	Jun 8, 2026

July 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1712 RUBEN RD, MONROE, NC 28112-8800
Transaction Type	Mortgage
Record Updated	Oct 20, 2025

Transferred To (Grantee/Buyer)

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

Mortgage

Document Number	0008934681
Date	Jul 9, 2024
Book Page	8934/681
Instrument	15794

Lender

Name	MINT HILL INVESTORS LLC
Type	Non-Lending Institution
Address	STANFIELD, NC 28163

Agreement

Amount	Amount Recorded

October 2025: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Oct 1, 2025
Property Address	1712 RUBEN RD, MONROE, NC 28112-8800
Document Number	0009212632
Book / Page	9212 / 632
Map Reference	CAB R FILE 845
Instrument Date	Oct 1, 2025
Instrument	25572
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 20, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,196.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000025573
Date	Oct 1, 2025
Instrument	25573

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2055

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	$3,667.00 (+24.73%)	$795,800 (+69.18%) Land $191,900 Building $603,900	$795,800 (+69.18%) Land $191,900 Building $603,900
2024	$2,940.00 (+0.68%)	$470,400 (-) Land $106,700 Building $363,700
2023	$2,920.00	$470,400 Land $106,700 Building $363,700	$470,400 (-) Land $106,700 Building $363,700
2021			$470,400 Land $106,700 Building $363,700

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
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

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