1912 Ruben Rd, Monroe, NC 28112 Property Records

Union County property record for 1912 Ruben Rd, Monroe, NC 28112

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,813 sqft · built 1991
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on Record
Last Sale	$560,000 (Nov 2023)
Tax Bill	$2,440 (2025)
Deeds & Mortgages	Nov 2023 Sale Jun 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-231-007E`

Property Details

APN / Parcel Number

Primary APN	`04-231-007E`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,813 sqft Living Area
1st Floor Area	1,579 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Wood
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	87,120 sqft (2 acres)
Porch	Slab
Porch Area	545 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1912 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	8812-0360
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	Individual Name on Record
Mailing Address	1912 RUBEN RD, MONROE, NC 28112-8062
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 15, 2023	Warranty Deed, Transfer
Jun 8, 2022	Deed of Trust, Mortgage FIFTH THIRD BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 15, 2023 · Amount on Record
Deed Sale	Nov 15, 2023 · Amount on Record
Deed Document Number	202327517
Deed Book / Page	8812 / 360
Record Updated	Oct 29, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Nov 15, 2023
Property Address	1912 RUBEN RD, MONROE, NC 28112-8062
Document Number	0008812360
Book / Page	8812 / 360
Map Reference	MB 290 PG 364
Instrument Date	Nov 15, 2023
Instrument	27517
Transaction Type	Transfer
Record Updated	Dec 8, 2023

Transaction

Amount	Amount Recorded
Tax	$1,120.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1601 E SANDY RIDGE RD, MONROE, NC 28112-7323

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1912 RUBEN RD, MONROE, NC 28112-8062

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1912 RUBEN RD, MONROE, NC 28112-8062
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008496682
Date	Jun 8, 2022
Book Page	8496/682
Instrument	20680

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Amount	Amount Recorded
Term	179 Months
Due	May 1, 2037

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		$529,500 (-) Land $62,900 Building $466,600	$529,500 (-) Land $62,900 Building $466,600
2025	$2,440.00 (+7.11%)	$529,500 (+44.28%) Land $62,900 Building $466,600	$529,500 (+44.28%) Land $62,900 Building $466,600
2023	$2,278.00	$367,000 Land $31,200 Building $335,800	$367,000 Land $31,200 Building $335,800

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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