1907 Ruben Rd, Monroe, NC 28112 Property Records

Union County property record for 1907 Ruben Rd, Monroe, NC 28112

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,568 sqft · built 1972
Lot Size	3.47 acres (151,153 sqft)
Owner	2 Individual Names on Record
Last Sale	$145,000 (Feb 2011)
Tax Bill	$1,558 (2025)
Deeds & Mortgages	Dec 2020 Line of Credit Jun 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-231-008E`

Property Details

APN / Parcel Number

Primary APN	`04-231-008E`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,568 sqft Living Area
1st Floor Area	1,568 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Wood
Foundation Type	No Foundation
Roof Material	Composition Shingle
Lot Area	151,153 sqft (3.47 acres)
Garage Type	Detached
Garage Area	704 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	160 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1907 RUBEN RD
City	MONROE
State	NC
Zip	28112-8062
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA-40 UNIO
Legal Description	STARNES
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	2 Individual Names on Record
Mailing Address	1907 RUBEN RD, MONROE, NC 28112-8062
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 18, 2020	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Jun 22, 2021	Deed of Trust, Mortgage · FHA Mortgage NORTHPOINTE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 11, 2011 · Amount on Record
Deed Sale	Feb 11, 2011 · Amount on Record
Deed Document Number	20113931
Deed Book / Page	5492 / 323
Record Updated	Jun 8, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1907 RUBEN RD, MONROE, NC 28112-8062
Transaction Type	Mortgage
Record Updated	Aug 24, 2022
Title Company	STEWART TITLE GUARANTY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1907 RUBEN RD, MONROE, NC 28112-8062

Mortgage

Document Number	0007925563
Date	Dec 18, 2020
Book Page	7925/563
Instrument	52808

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1907 RUBEN RD, MONROE, NC 28112-8062
Transaction Type	Mortgage
Record Updated	Aug 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008144395
Date	Jun 22, 2021
Book Page	8144/395
Instrument	29423

Lender

Name	NORTHPOINTE BANK
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

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	$1,558.00 (+23.26%)	$338,200 (+66.11%) Land $100,700 Building $237,500	$338,200 (+66.11%) Land $100,700 Building $237,500
2023	$1,264.00	$203,600 Land $40,800 Building $162,800	$203,600 Land $40,800 Building $162,800

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

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