Union County property record for 316 Ridge Rd, Monroe, NC 28110
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,862 sqft · built 1968 |
| Lot Size | 2.36 acres (102,802 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $285,000 (Mar 2021) |
| Tax Bill | $2,281 (2025) |
| Deeds & Mortgages | Mar 2021 Sale & Mortgage Nov 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-213-008Y |
| Primary APN | 09-213-008Y |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,862 sqft Living Area |
| 1st Floor Area | 1,862 sqft |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1968 |
| Architectural Style | Conventional |
| Construction Type | Wood |
| Foundation Type | Raised |
| Roof Type | Gable |
| Lot Area | 102,802 sqft (2.36 acres) |
| Garage Type | Attached |
| Garage Area | 546 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 56 sqft |
| Deck Area | 192 sqft |
| Patio Area | 192 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Street Address | 316 RIDGE RD |
|---|---|
| City | MONROE |
| State | NC |
| Zip | 28110-9475 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA-40 UNIO |
| Legal Description | #3 US LAND INVESTMENTS OPCJ003 OPCJ565 |
| Legal Subdivision | US LAND INVESTMENTS TRACT |
| Jurisdiction | UNION NC |
| Township / Civil Division | MONROE |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 20206 |
316 Ridge Rd is owned by two individuals who bought it in March 2021.
Source: Union County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 415 RANELAGH DR, WAXHAW, NC 28173-8268 |
| Owner Type | Individual |
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 |
|---|---|
| Mar 30, 2021 | Warranty Deed, Transfer · Conventional Mortgage TJC MORTGAGE INC |
| Nov 20, 2018 | Deed of Trust, Mortgage · FHA Mortgage NEW AMERICAN FNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 30, 2021 · Amount on File |
| Deed Sale | Mar 30, 2021 · Amount on File |
| Prior Sale | Apr 11, 2016 · Amount on File |
| Deed Document Number | 202114658 |
| Deed Book / Page | 8043 / 869 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Mar 30, 2021 |
| Property Address | 316 RIDGE RD, MONROE, NC 28110-9475 |
| Document Number | 0008043869 |
| Book / Page | 8043 / 869 |
| Map Reference | CAB J FILE 565 |
| Instrument Date | Mar 30, 2021 |
| Instrument | 14658 |
| Transaction Type | Transfer |
| Record Updated | Dec 14, 2021 |
| Title Company | INVESTOR TITLE INSURANCE COMPANY, INVESTORS TITLE INSURANCE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $570.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 415 RANELAGH DR, WAXHAW, NC 28173-8268 |
| Document Number | 0000014659 |
|---|---|
| Date | Mar 30, 2021 |
| Instrument | 14659 |
| Name | TJC MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 316 RIDGE RD, MONROE, NC 28110-9475 |
| Document Number | 727372 |
| Instrument Date | Nov 20, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Dec 17, 2018 |
| Title Company | VANTAGE PT TITLE INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 316 RIDGE RD MONROE NC 281109475, MONROE, NC 28110-9475 |
| Document Number | 727372 |
|---|---|
| Date | Nov 26, 2018 |
| Book Page | 007273/000072 |
| Instrument | 32505 |
| Name | NEW AMERICAN FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | TUSTIN, CA 92780 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 25, 2048 |
The 2025 property tax bill for 316 Ridge Rd was $2,281.
Source: Union County assessment roll, as of March 31, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Union County |
| Municipality | Unionville Town |
| Unified School District | Union County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $449,000 (-) Land $100,100 Building $348,900 | $449,000 (-) Land $100,100 Building $348,900 | |
| 2025 | $2,281.00 | $449,000 Land $100,100 Building $348,900 | $449,000 Land $100,100 Building $348,900 |
| 2023 | $2,057.00 | $307,400 Land $46,700 Building $260,700 | $307,400 Land $46,700 Building $260,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 316 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 | 1 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 316 Ridge Rd is low, with less than 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 95% of the US · lower than 97.4% of North Carolina |
|---|---|
| Wildfire Likelihood | Under 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 19 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 |
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