Union County property record for 320 Ridge Rd, Monroe, NC 28110
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,379 sqft · built 2006 |
| Lot Size | 2.1 acres (91,650 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $433,000 (May 2023) |
| Tax Bill | $2,770 (2025) |
| Deeds & Mortgages | May 2023 Sale & Mortgage Feb 2020 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-213-008P |
| Primary APN | 09-213-008P |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,379 sqft Living Area |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Conventional |
| Exterior Material | Stone |
| Construction Type | Wood |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 91,650 sqft (2.1 acres) |
| Garage Type | Attached |
| Garage Area | 506 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 275 sqft |
| Deck Area | 222 sqft |
| Patio Area | 222 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 320 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 | #2 US LAND INVESTMENTS OPCI030/OPCI-341 |
| Legal Subdivision | 1839900; #2 US LAND INVESTMENTS OPCI030/ |
| Jurisdiction | UNION NC |
| Township / Civil Division | MONROE |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 20206 |
Source: Union County records, as of July 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 | 320 RIDGE RD, MONROE, NC 28110-9475 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 8, 2023 | Warranty Deed, Transfer · Conventional Mortgage FOUNDERS FCU |
| Feb 11, 2020 | Loan Modification, Mortgage · Conventional Mortgage SHELLPOINT MTG SVCNG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 8, 2023 · Amount on Record |
| Deed Sale | May 8, 2023 · Amount on Record |
| Deed Document Number | 202310776 |
| Deed Book / Page | 8704 / 223 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | May 8, 2023 |
| Property Address | 320 RIDGE RD, MONROE, NC 28110-9475 |
| Document Number | 0008704223 |
| Book / Page | 8704 / 223 |
| Map Reference | CAB J FILE 3 |
| Instrument Date | May 8, 2023 |
| Instrument | 10776 |
| Transaction Type | Transfer |
| Record Updated | May 22, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $866.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1312 SWEET PEA ST, MONROE, NC 28110-7177 |
| Name | Verified Name |
|---|---|
| Address | 320 RIDGE RD, MONROE, NC 28110-9475 |
| Document Number | 0000010777 |
|---|---|
| Date | May 8, 2023 |
| Instrument | 10777 |
| Name | FOUNDERS FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 5, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.62% |
| Type Change Date | May 1, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 3.62% |
| Max Rate At Change | 7.62% |
| Index | 10-Year TN |
| Max Rate | 11.6% |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 320 RIDGE RD, MONROE, NC 28110-9475 |
| Document Number | 7778650 |
| Instrument Date | Feb 11, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 22, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 320 RIDGE RD MONROE NC 281109475, MONROE, NC 28110-9475 |
| Document Number | 7778650 |
|---|---|
| Date | Aug 19, 2020 |
| Book Page | 007778/000650 |
| Instrument | 32076 |
| Name | SHELLPOINT MTG SVCNG |
|---|---|
| Address | GREENVILLE, SC 29601 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Aug 18, 2060 |
| Rate | 4.5% |
|---|
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 |
|---|---|---|---|
| 2025 | $2,770.00 (+15.56%) | $545,100 (+52.22%) Land $98,500 Building $446,600 | $545,100 (+52.22%) Land $98,500 Building $446,600 |
| 2023 | $2,397.00 | $358,100 Land $44,800 Building $313,300 | $358,100 Land $44,800 Building $313,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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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