1844 Ridge Rd, Monroe, NC 28110 Property Records

Union County property record for 1844 Ridge Rd, Monroe, NC 28110

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 3,218 sqft · built 2016
Lot Size	10.6 acres (465,090 sqft)
Owner	2 Company Names on Record
Last Sale	$145,000 (Aug 2015)
Tax Bill	$5,852 (2025)
Deeds & Mortgages	Sep 2020 Line of Credit May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-237-013D`

Property Details

APN / Parcel Number

Primary APN	`08-237-013D`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	3,218 sqft Living Area
1st Floor Area	3,218 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Lot Area	465,090 sqft (10.6 acres)
Garage Type	Attached
Garage Area	703 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	403 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1844 RIDGE RD
City	MONROE
State	NC
Zip	28110-9201
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA-40 UNIO
Legal Description	TRACT 2 EDWARDS LESS 5920-184; OPCL911
Legal Subdivision	PROPERTY OF GRACE E FARIS
Legal Tract	2
Legal Lot Number	2
Jurisdiction	UNION NC
Township / Civil Division	GOOSE CREEK
Census Block Group	1
Census Block	1020
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	2 Company Names on Record
Mailing Address	1844 RIDGE RD, MONROE, NC 28110-9201
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2020	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
May 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK
May 25, 2017	Loan Modification, Mortgage BANK OF NC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2015 · Amount on Record
Deed Sale	Aug 31, 2015 · Amount on Record
Prior Sale	Aug 26, 2013 · Amount on Record
Deed Document Number	201526982
Deed Book / Page	6520 / 464
Last Transfer Date	Apr 30, 2025
Transfer Doc	0009108503
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1844 RIDGE RD, MONROE, NC 28110-9201
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1844 RIDGE RD #103 103, 103, DURHAM, NC 27701

Mortgage

Document Number	7796525
Date	Sep 2, 2020
Book Page	7796/525
Instrument	34633

Lender

Name	TRUIST BANK
Type	Bank
Address	DURHAM, NC 27701

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1844 RIDGE RD, MONROE, NC 28110-9201
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7667788
Date	May 14, 2020
Book Page	7667/788
Instrument	16547

Lender

Name	TRUIST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

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

May 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	UNION NC
Property Address	1844 RIDGE RD, MONROE, NC 28110-9201
Document Number	6946881
Book / Page	006946 / 000881
Instrument Date	May 25, 2017
Transaction Type	Mortgage
Record Updated	Jul 17, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1844 RIDGE RD MONROE NC 281109201, MONROE, NC 28110-9201

Mortgage

Document Number	6946881
Date	Jun 7, 2017
Book Page	006946/000881
Instrument	15797

Lender

Name	BANK OF NC
Type	Bank
Address	CHARLOTTE, NC 28226

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 6, 2047

Interest

Rate Type	Fixed Rate
Rate	4.25%

Tax Assessment & Valuation

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		$1,151,600 (-) Land $265,400 Building $886,200	$1,151,600 (-) Land $265,400 Building $886,200
2025	$5,852.00 (+11.64%)	$1,151,600 (+47.04%) Land $265,400 Building $886,200	$1,151,600 (+47.04%) Land $265,400 Building $886,200
2023	$5,242.00	$783,200 Land $101,100 Building $682,100	$783,200 Land $101,100 Building $682,100

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 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	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 17 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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