4020 Sincerity Rd, Monroe, NC 28110 Property Records

Union County property record for 4020 Sincerity Rd, Monroe, NC 28110

Property Summary

Property Type	Rural Home
Details	2 bd · 2.5 ba · 2,413 sqft · built 1973
Lot Size	0.991 acres (43,168 sqft)
Owner	Individual Name on Record
Tax Bill	$1,833 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Feb 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-078-014A`

Property Details

APN / Parcel Number

Primary APN	`08-078-014A`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	2,413 sqft Living Area
Gross Area	2,220 sqft
1st Floor Area	1,740 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	43,168 sqft (0.991 acres)
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	45 sqft
Deck Area	519 sqft
Patio Area	519 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4020 SINCERITY RD
City	MONROE
State	NC
Zip	28110-0658
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	RA-40 UNIO
Legal Description	8168-0820
Legal Subdivision	SURVEY FOR JUDITH A VAN BISKIRK
Jurisdiction	UNION NC
Township / Civil Division	GOOSE CREEK
Census Block Group	3
Census Block	3025
Census Tract	20100

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	4020 SINCERITY RD, MONROE, NC 28110-0658
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2021	Intrafamily Transfer, Transfer · FHA Mortgage QUICKEN LOANS LLC
Feb 2, 2017	Deed of Trust, Mortgage · Conventional Mortgage YADKIN BANK
Feb 26, 2020	Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 14, 2021
Deed Sale	Jul 14, 2021
Prior Sale	Feb 26, 2020 · Amount on Record
Deed Document Number	202133092
Deed Book / Page	8168 / 820
Prior Transfer Date	Jul 9, 2021
Prior Transfer Doc	8168820
Record Updated	Oct 29, 2026

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	UNION NC
Recording Date	Jul 14, 2021
Property Address	4020 SINCERITY RD, MONROE, NC 28110-0658
Document Number	8168820
Book / Page	8168 / 820
Instrument Date	Jul 9, 2021
Instrument	33092
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	AMROCK

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	717 W CENTRAL AVE, 717, MOUNT HOLLY, NC 28120-1674

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4020 SINCERITY RD, MONROE, NC 28110-0658

Mortgage

Document Number	33093
Date	Jul 14, 2021
Instrument	33093

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	4020 SINCERITY RD, MONROE, NC 28110-0658
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	6870633
Date	Feb 2, 2017
Book Page	6870/633
Instrument	0003056

Lender

Name	YADKIN BANK
Type	Bank
Address	ELKIN, NC 28621

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Feb 26, 2020
Property Address	4020 SINCERITY RD, MONROE, NC 28110-0658
Document Number	7594247
Book / Page	007594 / 000247
Instrument Date	Feb 26, 2020
Instrument	6304
Transaction Type	Transfer
Record Updated	Mar 13, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$510.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4020 SINCERITY RD MONROE NC 281100658, MONROE, NC 28110-0658

Mortgage

Document Number	7594249
Date	Feb 26, 2020
Book Page	007594/000249
Instrument	6305

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Feb 25, 2050

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		$375,600 (-) Land $67,800 Building $307,800	$375,600 (-) Land $67,800 Building $307,800
2025	$1,833.00 (+13.15%)	$375,600 (+50.48%) Land $67,800 Building $307,800	$375,600 (+50.48%) Land $67,800 Building $307,800
2023	$1,620.00	$249,600 Land $36,200 Building $213,400	$249,600 Land $36,200 Building $213,400

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	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

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	Direct burnable vegetation

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

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

Cell Coverage

5G (outdoors only) and 4G LTE

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