Union County property record for 2105 Timber Ridge Rd, Monroe, NC 28112
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,750 sqft · built 2002 |
| Lot Size | 0.6 acres (26,136 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $430,000 (Feb 2026) |
| Tax Bill | $3,141 (2025) |
| Deeds & Mortgages | Feb 2026 Sale & Mortgage Apr 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-286-092 |
| Primary APN | 09-286-092 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,750 sqft Living Area |
| Gross Area | 2,857 sqft |
| 1st Floor Area | 747 sqft |
| Basement Area | 747 sqft |
| Finished Basement | 747 sqft |
| Unfinished Basement | 747 sqft |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 26,136 sqft (0.6 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 54 sqft |
| Deck Area | Deck Area |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2105 TIMBER RIDGE RD |
|---|---|
| City | MONROE |
| State | NC |
| Zip | 28112-2415 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | R-20 MONRO |
| Legal Description | #61 TIMBERLAKE PB04 PG133 |
| Legal Subdivision | TIMBERLAKE |
| Legal Lot Number | 61 |
| Jurisdiction | UNION NC |
| Township / Civil Division | MONROE |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 20502 |
2105 Timber Ridge Rd, a rural home, is owned and occupied by two individuals who bought it in February 2026.
Source: Union County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2105 TIMBER RIDGE RD, MONROE, NC 28112-2415 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 10, 2026 | Warranty Deed, Transfer · Conventional Mortgage FOUNDERS FCU |
| Apr 1, 2021 | Warranty Deed, Transfer · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 10, 2026 · Amount on File |
| Deed Sale | Feb 10, 2026 · Amount on File |
| Prior Sale | Apr 1, 2021 · Amount on File |
| Deed Document Number | 20263331 |
| Deed Book / Page | 9301 / 821 |
| Prior Transfer Date | Oct 9, 2003 |
| Prior Transfer Doc | 0000049498 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Feb 10, 2026 |
| Property Address | 2105 TIMBER RIDGE RD, MONROE, NC 28112-2415 |
| Document Number | 0009301821 |
| Book / Page | 9301 / 821 |
| Map Reference | MB 4 PG 133 |
| Instrument Date | Feb 5, 2026 |
| Instrument | 3331 |
| Transaction Type | Transfer |
| Record Updated | Mar 6, 2026 |
| Title Company | MASTER TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $860.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 300 FAIRGREEN DR, CHARLOTTE, NC 28217-4912 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Document Number | 0000003332 |
|---|---|
| Date | Feb 10, 2026 |
| Instrument | 3332 |
| Name | FOUNDERS FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 5, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7% |
| Type Change Date | Mar 1, 2033 |
| Change Frequency | 10 Years |
| Min Rate At Change | 9% |
| Max Rate At Change | 5% |
| Index | 10-Year TN |
| Max Rate | 13% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Apr 1, 2021 |
| Property Address | 2105 TIMBER RIDGE RD, MONROE, NC 28112-2415 |
| Document Number | 0008048730 |
| Book / Page | 8048 / 730 |
| Map Reference | MB 4 PG 133 |
| Instrument Date | Mar 31, 2021 |
| Instrument | 15284 |
| Transaction Type | Transfer |
| Record Updated | Dec 14, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $522.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2105 TIMBER RIDGE RD, MONROE, NC 28112-2415 |
| Document Number | 0000015285 |
|---|---|
| Date | Apr 1, 2021 |
| Instrument | 15285 |
| Name | AMERICAN FINANCIAL NETWORK INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2051 |
The 2025 property tax bill for 2105 Timber Ridge Rd was $3,141.
Source: Union County assessment roll, as of March 31, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Union County |
| Municipality | Monroe City |
| Unified School District | Union County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $359,400 (-) Land $71,200 Building $288,200 | $359,400 (-) Land $71,200 Building $288,200 | |
| 2025 | $3,141.00 | $359,400 Land $71,200 Building $288,200 | $359,400 Land $71,200 Building $288,200 |
| 2023 | $2,931.00 | $268,800 Land $38,800 Building $230,000 | $268,800 Land $38,800 Building $230,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2105 Timber Ridge Rd in Zone X, an area of minimal flood risk.
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 | 2 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 risk around 2105 Timber Ridge Rd is low, with a 0.01% annual chance of 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF MONROE serves 43,081 people · EPA ID NC0190010 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Nov 2025 |
| Lead | Under 1 ppb (2026–2028) action level 15 ppb |
| Water Quality | E. coli resolved · Aug 2025 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 4 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.
Source: FCC Broadband Data Collection, based on 122 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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