4020 Richardson Rd, Monroe, NC 28112 Property Records

Union County property record for 4020 Richardson Rd, Monroe, NC 28112

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,160 sqft · built 1987
Lot Size	4.5 acres (196,020 sqft)
Owner	2 Individual Names on File
Last Sale	$477,000 (Sep 2025)
Tax Bill	$2,019 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Mar 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-201-006`

Property Details

APN / Parcel Number

Primary APN	`04-201-006`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,160 sqft Living Area
1st Floor Area	2,160 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	196,020 sqft (4.5 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4020 RICHARDSON RD
City	MONROE
State	NC
Zip	28112-9391
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA-40 UNIO
Legal Description	TRACT 1 8420-501
Legal Tract	1
Jurisdiction	UNION NC
Township / Civil Division	BUFORD
Census Block Group	1
Census Block	1008
Census Tract	20902

Owner

4020 Richardson Rd is owned and occupied by two individuals who bought it in September 2025.

Source: Union County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4020 RICHARDSON RD, MONROE, NC 28112-9391
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2025	Warranty Deed, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Mar 9, 2022	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 29, 2025 · Amount on File
Deed Sale	Sep 29, 2025 · Amount on File
Prior Sale	Mar 9, 2022 · Amount on File
Deed Document Number	202525154
Deed Book / Page	9209 / 300
Prior Transfer Date	Mar 29, 2004
Prior Transfer Doc	339221
Record Updated	Oct 29, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Sep 29, 2025
Property Address	4020 RICHARDSON RD, MONROE, NC 28112-9391
Document Number	0000920930
Book / Page	9209 / 30
Instrument Date	Sep 26, 2025
Instrument	25154
Transaction Type	Transfer
Record Updated	Oct 9, 2025
Title Company	TRYON TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$954.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	308 JUDE LN, WAXHAW, NC 28173-4528

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4020 RICHARDSON RD, MONROE, NC 28112-9391

Mortgage

Document Number	0000025155
Date	Sep 29, 2025
Instrument	25155

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Mar 9, 2022
Property Address	4020 RICHARDSON RD, MONROE, NC 28112-9391
Document Number	0008420501
Book / Page	8420 / 501
Instrument Date	Mar 9, 2022
Instrument	8875
Transaction Type	Transfer
Record Updated	Aug 24, 2022
Title Company	AUSTIN TITLE, AUSTIN TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$800.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7510 NEW TOWN RD, 7510, WAXHAW, NC 28173-7741

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4020 RICHARDSON RD, MONROE, NC 28112-9391

Mortgage

Document Number	0000008876
Date	Mar 9, 2022
Instrument	8876

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 4020 Richardson Rd was $2,019, up 20.3% from the year before.

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		$438,100 (-) Land $122,000 Building $316,100	$438,100 (-) Land $122,000 Building $316,100
2025	$2,019.00 (+20.32%)	$438,100 (+63.17%) Land $122,000 Building $316,100	$438,100 Land $122,000 Building $316,100
2024	$1,678.00 (+0.66%)	$268,500 (-) Land $47,500 Building $221,000
2023	$1,667.00	$268,500 Land $47,500 Building $221,000	$268,500 Land $47,500 Building $221,000
2021			$268,500 Land $47,500 Building $221,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4020 Richardson Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 4020 Richardson Rd is low, with a 0.03% annual chance of 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	0.03% 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 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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