401 Ridge Rd, Monroe, NC 28110 Property Records

Union County property record for 401 Ridge Rd, Monroe, NC 28110

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,152 sqft · built 1990
Lot Size	1.11 acres (48,352 sqft)
Owner	Individual Name on Record
Tax Bill	$1,423 (2025)
Deeds & Mortgages	Apr 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-210-003K`

Property Details

APN / Parcel Number

Primary APN	`09-210-003K`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,152 sqft Living Area
1st Floor Area	832 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Wood
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	48,352 sqft (1.11 acres)
Garage Type	Detached
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	256 sqft
Deck Area	Deck Area
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	401 RIDGE RD
City	MONROE
State	NC
Zip	28110-9476
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA-40 UNIO
Legal Description	PRICE RIDGE RD
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	1
Census Block	1092
Census Tract	20401

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	401 RIDGE RD, MONROE, NC 28110-9476
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	401 RIDGE RD, MONROE, NC 28110-9476
Transaction Type	Mortgage
Record Updated	May 16, 2023
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 RIDGE RD, MONROE, NC 28110-9476

Mortgage

Document Number	0008698578
Date	Apr 28, 2023
Book Page	8698/578
Instrument	9942

Lender

Name	ROYAL UNITED MORTGAGE LLC
Type	Mortgage Company
Address	INDIANAPOLIS, IN 46250

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	301 Months
Due	May 1, 2048

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		$280,100 (-) Land $71,600 Building $208,500	$280,100 (-) Land $71,600 Building $208,500
2025	$1,423.00 (+4.02%)	$280,100 (+37.04%) Land $71,600 Building $208,500	$280,100 (+37.04%) Land $71,600 Building $208,500
2023	$1,368.00	$204,400 Land $37,300 Building $167,100	$204,400 Land $37,300 Building $167,100

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	2 in force
Nearby Flood Claims	1 (2020)
Most Recent Claim	Feb 2020 · other causes

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	Not rated no burnable land within 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 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20