404 W Cj Thomas Rd, Monroe, NC 28110 Property Records

Union County property record for 404 W Cj Thomas Rd, Monroe, NC 28110

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 3,166 sqft · built 2018
Lot Size	1.35 acres (58,893 sqft)
Owner	2 Individual Names on Record
Last Sale	$785,000 (Sep 2021)
Tax Bill	$4,688 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Apr 2019 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`08-237-008F`

Property Details

APN / Parcel Number

Primary APN	`08-237-008F`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	3,166 sqft Living Area
1st Floor Area	3,166 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Lot Area	58,893 sqft (1.35 acres)
Garage Type	Attached
Garage Area	1,166 sqft
Porch	Slab
Porch Area	1,079 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	404 W CJ THOMAS RD
City	MONROE
State	NC
Zip	28110-9789
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA-40 UNIO
Legal Description	1.352A OPCJ852
Jurisdiction	UNION NC
Township / Civil Division	GOOSE CREEK
Census Block Group	1
Census Block	1018
Census Tract	20205

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	2 Individual Names on Record
Mailing Address	404 W CJ THOMAS RD, MONROE, NC 28110-9789
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2021	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE
Apr 15, 2019	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Jan 29, 2019	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage WHITLEY MORTGAGE ASSOCIATES INC
Oct 10, 2017	Grant Deed ATTORNEY ONLY
Sep 22, 2017	Trustee's Deed, Construction Loan · Construction Mortgage CARLTON LAND INV LLC
Sep 22, 2017	Quit Claim Deed, Transfer CHICAGO TITLE COMPANY
Jun 29, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 14, 2021 · Amount on Record
Deed Sale	Sep 14, 2021 · Amount on Record
Prior Sale	Jun 29, 2017 · Amount on Record
Deed Document Number	202143535
Deed Book / Page	8241 / 248
Prior Transfer Date	Sep 18, 2017
Prior Transfer Doc	7019393
Record Updated	Oct 29, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Sep 14, 2021
Property Address	404 W CJ THOMAS RD, MONROE, NC 28110-9789
Document Number	8241248
Book / Page	8241 / 248
Instrument Date	Sep 13, 2021
Instrument	43535
Transaction Type	Transfer
Record Updated	Oct 1, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,570.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 W CJ THOMAS RD, MONROE, NC 28110-9789

Mortgage

Document Number	43536
Date	Sep 14, 2021
Instrument	43536

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2036

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	404 W CJ THOMAS RD, MONROE, NC 28110-9789
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE GUARANTY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7349480
Date	Apr 15, 2019
Book Page	7349/480
Instrument	0009656

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Jan 29, 2019
Property Address	404 W CJ THOMAS RD, MONROE, NC 28110-9789
Document Number	0007305504
Book / Page	7305 / 504
Instrument Date	Jan 28, 2019
Instrument	0002332
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 14, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4Q4 W CJ THOMAS ROADS, MONROE, NC 28110

Mortgage

Document Number	0000002333
Date	Jan 29, 2019
Instrument	0002333

Lender

Name	WHITLEY MORTGAGE ASSOCIATES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2049

October 2017: Grant Deed

Document Type	Grant Deed
Jurisdiction	UNION NC
Recording Date	Oct 10, 2017
Property Address	404 W CJ THOMAS RD, MONROE, NC 28110-9789
Document Number	7031443
Book / Page	007031 / 000443
Instrument Date	Oct 9, 2017
Instrument	29821
Record Updated	Dec 12, 2017
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1010 YELLOW BEE RD INDIAN TRAIL NC 280798811, INDIAN TRAIL, NC 28079-8811

September 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	UNION NC
Recording Date	Sep 22, 2017
Property Address	404 W CJ THOMAS RD, MONROE, NC 28110-9789
Book / Page	007019 / 000396
Instrument Date	Sep 21, 2017
Instrument	27867
Transaction Type	Construction Loan
Record Updated	Nov 20, 2017
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

Mortgage

Document Number	7019396
Date	Sep 22, 2017
Book Page	007019/000396
Instrument	27867

Lender

Name	CARLTON LAND INV LLC

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Sep 21, 2018

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	UNION NC
Recording Date	Sep 22, 2017
Property Address	404 W CJ THOMAS RD, MONROE, NC 28110-9789
Document Number	7019393
Book / Page	007019 / 000393
Instrument Date	Sep 18, 2017
Instrument	27866
Transaction Type	Transfer
Record Updated	Nov 20, 2017
Title Company	CHICAGO TITLE COMPANY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1010 YELLOW BEE RD INDIAN TRAIL NC 280798811, INDIAN TRAIL, NC 28079-8811

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Jun 29, 2017
Property Address	404 W CJ THOMAS RD, MONROE, NC 28110-9789
Document Number	6962569
Book / Page	006962 / 000569
Instrument Date	Jun 20, 2017
Instrument	18387
Transaction Type	Transfer
Record Updated	Dec 6, 2017

Transaction

Amount	Amount Recorded
Tax	$120.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1010 YELLOW BEE RD INDIAN TRAIL NC 280798811, INDIAN TRAIL, NC 28079-8811

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		$922,500 (-) Land $78,800 Building $843,700	$922,500 (-) Land $78,800 Building $843,700
2025	$4,688.00 (+26.6%)	$922,500 (+66.76%) Land $78,800 Building $843,700	$922,500 (+66.76%) Land $78,800 Building $843,700
2023	$3,703.00	$553,200 Land $39,100 Building $514,100	$553,200 Land $39,100 Building $514,100

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	4 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	0.01% 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 54 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

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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