1805 Ruben Rd, Monroe, NC 28112 Property Records

Union County property record for 1805 Ruben Rd, Monroe, NC 28112

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,316 sqft · built 2018
Lot Size	1.43 acres (62,291 sqft)
Owner	Individual Name on Record
Tax Bill	$1,581 (2025)
Deeds & Mortgages	Jan 2019 Mortgage Jun 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`04-231-008C`

Property Details

APN / Parcel Number

Primary APN	`04-231-008C`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,316 sqft Living Area

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Construction Type	Wood
Roof Type	Gable
Lot Area	62,291 sqft (1.43 acres)
Garage Type	Detached
Garage Area	816 sqft
Porch	Slab
Porch Area	449 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	1805 RUBEN RD
City	MONROE
State	NC
Zip	28112-8009
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA-40 UNIO
Legal Description	OPCD176 7183-525
Jurisdiction	UNION NC
Township / Civil Division	BUFORD
Census Block Group	4
Census Block	4010
Census Tract	20902

Owner

Source: Union County records, 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 Record
Mailing Address	1805 RUBEN RD, MONROE, NC 28112-8009
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 8, 2019	Deed of Trust, Mortgage · ARM STATE EMPLOYEES CU
Jun 26, 2018	Grant Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jun 26, 2018
Transfer Doc	7183525
Record Updated	Jun 8, 2026

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1805 RUBEN RD, MONROE, NC 28112-8009
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7295395
Date	Jan 8, 2019
Book Page	7295/395
Instrument	0000459

Lender

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

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Change Frequency	5 Years
Min Rate At Change	3.25%
Index	5-Year CMT
Max Rate	6%

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	UNION NC
Recording Date	Jun 26, 2018
Property Address	1805 RUBEN RD, MONROE, NC 28112-8009
Document Number	7183525
Book / Page	007183 / 000525
Instrument Date	Jun 26, 2018
Instrument	17509
Transaction Type	Transfer
Record Updated	Jul 25, 2018

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1801 RUBEN RD MONROE NC 281128009, MONROE, NC 28112-8009

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	$1,581.00 (+7.04%)	$343,100 (+44.16%) Land $48,100 Building $295,000	$343,100 (+44.16%) Land $48,100 Building $295,000
2023	$1,477.00	$238,000 Land $27,500 Building $210,500	$238,000 Land $27,500 Building $210,500

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	0.02% 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 49 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Starlink Satellite	280 / 30

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Ruben Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures