1923 Gables Dr, Monroe, NC 28112 Property Records

Union County property record for 1923 Gables Dr, Monroe, NC 28112

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,284 sqft · built 1996
Lot Size	1.12 acres (49,005 sqft)
Owner	2 Individual Names on Record
Last Sale	$375,000 (Apr 2025)
Tax Bill	$1,214 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Sep 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-222-032`

Property Details

APN / Parcel Number

Primary APN	`04-222-032`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,284 sqft Living Area
1st Floor Area	1,284 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	49,005 sqft (1.12 acres)

Exterior Amenities

Porch	Slab
Porch Area	25 sqft
Deck Area	276 sqft
Patio Area	276 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1923 GABLES DR
City	MONROE
State	NC
Zip	28112-8302
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA-40 UNIO
Legal Description	#6 GREEN GABLES OPCE053
Legal Subdivision	GREEN GABLES
Jurisdiction	UNION NC
Township / Civil Division	BUFORD
Census Block Group	2
Census Block	2028
Census Tract	21005

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 Individual Names on Record
Mailing Address	1923 GABLES DR, MONROE, NC 28112-8302
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Dec 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage SHARONVIEW FCU
Sep 15, 2017	Warranty Deed, Transfer · ARM LOCAL GOVERNMENT FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 7, 2025 · Amount on Record
Deed Sale	Apr 7, 2025 · Amount on Record
Prior Sale	Sep 15, 2017 · Amount on Record
Deed Document Number	20258293
Deed Book / Page	9094 / 601
Prior Transfer Date	Jun 4, 1996
Prior Transfer Doc	0875000387
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1923 GABLES DR, MONROE, NC 28112-8302
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	790838
Date	Dec 3, 2020
Book Page	7908/38
Instrument	50212

Lender

Name	SHARONVIEW FCU
Type	Credit Union
Address	FORT MILL, SC 29716

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Sep 15, 2017
Property Address	1923 GABLES DR, MONROE, NC 28112-8302
Document Number	0007015558
Book / Page	7015 / 558
Map Reference	CAB E FILE 53
Instrument Date	Sep 15, 2017
Instrument	0027155
Transaction Type	Transfer
Record Updated	Dec 14, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$349.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1923 GABLES DR, MONROE, NC 28112-8302
Investor	Possibly a Property Investor

Mortgage

Document Number	0000027156
Date	Sep 15, 2017
Instrument	0027156

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Change Frequency	5 Years
Index	5-Year CMT
Margin	2
Max Rate	6%

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		$252,200 (-) Land $70,000 Building $182,200	$252,200 (-) Land $70,000 Building $182,200
2025	$1,214.00 (-9.54%)	$252,200 (+19.19%) Land $70,000 Building $182,200	$252,200 (+19.19%) Land $70,000 Building $182,200
2023	$1,342.00	$211,600 Land $35,500 Building $176,100	$211,600 Land $35,500 Building $176,100

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

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	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 34 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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