312 W Cj Thomas Rd, Monroe, NC 28110 Property Records

Union County property record for 312 W Cj Thomas Rd, Monroe, NC 28110

Property Summary

Property Type	Other Improved
Details	4 bd · 3 ba · 3,756 sqft · built 2020
Lot Size	2.39 acres (104,108 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,386 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Sep 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`08-237-023`

Property Details

APN / Parcel Number

Primary APN	`08-237-023`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	3,756 sqft Living Area
1st Floor Area	2,503 sqft
Basement Area	1,677 sqft
Unfinished Basement	1,677 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Brick
Lot Area	104,108 sqft (2.39 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	312 W CJ THOMAS RD
City	MONROE
State	NC
Zip	28110-8272
Property Category	Other
Property Type	Other > Other Improved
Local Zoning Code	RA-40 UNIO
Legal Description	#2 OLD GATE OPCI-285
Legal Subdivision	OLD GATE
Jurisdiction	UNION NC
Township / Civil Division	GOOSE CREEK
Census Block Group	1
Census Block	1018
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 Individual Names on Record
Mailing Address	1504 TOM HELMS RD, MONROE, NC 28110-9791
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage PINNACLE BANK
Sep 15, 2022	Deed of Trust, Mortgage · Line of Credit AMERICAN BANK OF THE CAROLINAS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Aug 20, 2019
Transfer Doc	0007445689
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	312 W CJ THOMAS RD, MONROE, NC 28110-8272
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008130265
Date	Jun 8, 2021
Book Page	8130/265
Instrument	27233

Lender

Name	PINNACLE BANK
Type	Bank
Address	NASHVILLE, TN 37201

Agreement

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

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	312 W CJ THOMAS RD, MONROE, NC 28110-8272
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	312 W CJ THOMAS RD, MONROE, NC 28110-8272

Mortgage

Document Number	0008571765
Date	Sep 15, 2022
Book Page	8571/765
Instrument	32434

Lender

Name	AMERICAN BANK OF THE CAROLINAS
Type	Bank
Address	MONROE, NC 28112

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$863,100 (-) Land $152,000 Building $711,100	$863,100 (-) Land $152,000 Building $711,100
2025	$4,386.00 (+8.22%)	$863,100 (+42.52%) Land $152,000 Building $711,100	$863,100 (+42.52%) Land $152,000 Building $711,100
2023	$4,053.00	$605,600 Land $108,900 Building $496,700	$605,600 Land $108,900 Building $496,700

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	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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