Union County property record for 415 Ridgewood Dr, Monroe, NC 28112
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,803 sqft · built 1987 |
| Lot Size | 1.35 acres (58,806 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $314,000 (Apr 2021) |
| Tax Bill | $4,669 (2025) |
| Deeds & Mortgages | Oct 2020 Line of Credit Apr 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-240-020 |
| Primary APN | 09-240-020 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 2,803 sqft Living Area |
| Gross Area | 3,415 sqft |
| 1st Floor Area | 1,120 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Raised |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 58,806 sqft (1.35 acres) |
| Garage Type | Attached |
| Garage Area | 612 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 241 sqft |
| Patio Area | 241 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 415 RIDGEWOOD DR |
|---|---|
| City | MONROE |
| State | NC |
| Zip | 28112-6369 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-10 MONRO |
| Legal Description | #5 RIDGEWOOD PH2 OPCB157A |
| Legal Subdivision | RIDGEWOOD |
| Legal Lot Number | 5 |
| Jurisdiction | UNION NC |
| Township / Civil Division | MONROE |
| Census Block Group | 1 |
| Census Block | 1029 |
| Census Tract | 20502 |
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 | 415 RIDGEWOOD DR, MONROE, NC 28112-6369 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 16, 2020 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Apr 15, 2021 | Warranty Deed, Transfer · VA Mortgage MOVEMENT MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 15, 2021 · Amount on Record |
| Deed Sale | Apr 15, 2021 · Amount on Record |
| Prior Sale | Aug 17, 2016 · Amount on Record |
| Deed Document Number | 202117647 |
| Deed Book / Page | 8065 / 25 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 415 RIDGEWOOD DR, MONROE, NC 28112-6369 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2022 |
| Name | Verified Name |
|---|---|
| Address | 415 RIDGEWOOD DR, MONROE, NC 28112-6369 |
| Document Number | 0007849561 |
|---|---|
| Date | Oct 16, 2020 |
| Book Page | 7849/561 |
| Instrument | 42033 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | PORTLAND, OR 97204 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Sep 22, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Apr 15, 2021 |
| Property Address | 415 RIDGEWOOD DR, MONROE, NC 28112-6369 |
| Document Number | 0000806525 |
| Book / Page | 8065 / 25 |
| Map Reference | CAB B FILE 157-A |
| Instrument Date | Apr 15, 2021 |
| Instrument | 17647 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2022 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $628.00 |
| Amount Accuracy | Rounded by County |
| Name | Verified Name |
|---|---|
| Address | 215 TRINITY CHURCH RD, 215, MONROE, NC 28112-8962 |
| Name | Verified Name |
|---|---|
| Address | 415 RIDGEWOOD DR, MONROE, NC 28112-6369 |
| Document Number | 0000017648 |
|---|---|
| Date | Apr 15, 2021 |
| Instrument | 17648 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2051 |
Source: Union County assessment roll, as of March 31, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Union County |
| Municipality | Monroe City |
| Unified School District | Union County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $534,200 (-) Land $78,500 Building $455,700 | $534,200 (-) Land $78,500 Building $455,700 | |
| 2025 | $4,669.00 (+33.29%) | $534,200 (+66.26%) Land $78,500 Building $455,700 | $534,200 (+66.26%) Land $78,500 Building $455,700 |
| 2023 | $3,503.00 | $321,300 Land $32,800 Building $288,500 | $321,300 Land $32,800 Building $288,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 14, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF MONROE serves 43,081 people · EPA ID NC0190010 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Nov 2025 |
| Lead | Under 1 ppb (2026–2028) action level 15 ppb |
| Water Quality | E. coli resolved · Aug 2025 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 4 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.
Source: FCC Broadband Data Collection, based on 68 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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