404 W Sandy Ridge Rd, Monroe, NC 28112 Property Records

Union County property record for 404 W Sandy Ridge Rd, Monroe, NC 28112

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,473 sqft · built 1959
Lot Size	1.27 acres (55,321 sqft)
Owner	Individual Name on Record
Last Sale	$290,000 (Dec 2023)
Tax Bill	$1,190 (2025)
Deeds & Mortgages	Dec 2023 Sale & Mortgage Nov 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-177-082`

Property Details

APN / Parcel Number

Primary APN	`04-177-082`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,473 sqft Living Area
1st Floor Area	1,473 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	55,321 sqft (1.27 acres)
Garage Type	Carport
Garage Area	224 sqft
Carport	Carport
Carport Area	224 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	70 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	404 W SANDY RIDGE RD
City	MONROE
State	NC
Zip	28112-9330
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA-40 UNIO
Legal Description	1.27A 8833-0589
Legal Subdivision	1409900
Jurisdiction	UNION NC
Township / Civil Division	BUFORD
Census Block Group	1
Census Block	1003
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	404 W SANDY RIDGE RD, MONROE, NC 28112-9330
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2023	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Nov 30, 2022	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Oct 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 29, 2023 · Amount on Record
Deed Sale	Dec 29, 2023 · Amount on Record
Deed Document Number	202330837
Deed Book / Page	8833 / 589
Prior Transfer Date	Mar 3, 2000
Prior Transfer Doc	0000006903
Record Updated	Oct 29, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Dec 29, 2023
Property Address	404 W SANDY RIDGE RD, MONROE, NC 28112-9330
Document Number	0008833589
Book / Page	8833 / 589
Instrument Date	Dec 21, 2023
Instrument	30837
Transaction Type	Transfer
Record Updated	Jan 16, 2024

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$580.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5815 FISH RD, MARSHVILLE, NC 28103-7837

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 W SANDY RIDGE RD, MONROE, NC 28112-9330

Mortgage

Document Number	0000030838
Date	Dec 29, 2023
Instrument	30838

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	404 W SANDY RIDGE RD, MONROE, NC 28112-9330
Transaction Type	Mortgage
Record Updated	Dec 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008616725
Date	Nov 30, 2022
Book Page	8616/725
Instrument	39491

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	404 W SANDY RIDGE RD, MONROE, NC 28112-9330
Transaction Type	Mortgage
Record Updated	Nov 15, 2021
Title Company	AMROCK INC, AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	8292302
Date	Oct 26, 2021
Book Page	8292/302
Instrument	51069

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

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		$258,400 (-) Land $43,900 Building $214,500	$258,400 (-) Land $43,900 Building $214,500
2025	$1,190.00 (+8.38%)	$258,400 (+46.07%) Land $43,900 Building $214,500	$258,400 (+46.07%) Land $43,900 Building $214,500
2023	$1,098.00	$176,900 Land $26,500 Building $150,400	$176,900 Land $26,500 Building $150,400

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

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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