3814 Richardson Rd, Monroe, NC 28112 Property Records

Union County property record for 3814 Richardson Rd, Monroe, NC 28112

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,204 sqft · built 1962
Lot Size	2.57 acres (112,254 sqft)
Owner	Individual Name on Record
Tax Bill	$1,171 (2025)
Deeds & Mortgages	Jul 2017 Reverse Mortgage Jul 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-198-014`

Property Details

APN / Parcel Number

Primary APN	`04-198-014`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,204 sqft Living Area
Gross Area	1,490 sqft
1st Floor Area	1,204 sqft

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	112,254 sqft (2.57 acres)
Garage Type	Attached
Garage Area	286 sqft
Parking Spaces	1 Parking Space
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	3814 RICHARDSON RD
City	MONROE
State	NC
Zip	28112-9389
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA-40 UNIO
Legal Description	RAPE
Jurisdiction	UNION NC
Township / Civil Division	BUFORD
Census Block Group	1
Census Block	1007
Census Tract	20902

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	Individual Name on Record
Mailing Address	3814 RICHARDSON RD, MONROE, NC 28112-9389
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 25, 2017	Deed of Trust, Mortgage · Reverse Mortgage LIVE WELL FINANCIAL INC
Jul 20, 2017	Deed of Trust, Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	3814 RICHARDSON RD, MONROE, NC 28112-9389
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	FIDELITY NATIONAL COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	6980452
Date	Jul 25, 2017
Book Page	6980/452
Instrument	0021261

Lender

Name	LIVE WELL FINANCIAL INC
Type	Mortgage Company
Address	RICHMOND, VA 23225

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	892 Months
Due	Nov 2, 2091

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	3814 RICHARDSON RD, MONROE, NC 28112-9389
Document Number	6980466
Instrument Date	Jul 20, 2017
Transaction Type	Mortgage
Record Updated	Oct 31, 2017
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3814 RICHARDSON RD MONROE NC 281129389, MONROE, NC 28112-9389

Mortgage

Document Number	6980466
Date	Jul 25, 2017
Book Page	006980/000466
Instrument	21262

Lender

Name	HUD-HOUSING/URBAN DEV

Agreement

Amount	Amount Recorded
Term	888 Months
Due	Jul 24, 2091

Interest

Rate Type	Adjustable Rate
Rate	3.97%

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		$254,100 (-) Land $77,800 Building $176,300	$254,100 (-) Land $77,800 Building $176,300
2025	$1,171.00 (+20.23%)	$254,100 (+61.95%) Land $77,800 Building $176,300	$254,100 (+61.95%) Land $77,800 Building $176,300
2023	$974.00	$156,900 Land $35,000 Building $121,900	$156,900 Land $35,000 Building $121,900

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Richardson Rd

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