Union County property record for 416 Ridgewood Dr, Monroe, NC 28112
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 3 ba · 2,352 sqft · built 1975 |
| Lot Size | 0.861 acres (37,505 sqft) |
| Owner | Individual Name on File |
| Last Sale | $290,000 (Apr 2019) |
| Tax Bill | $3,499 (2025) |
| Deeds & Mortgages | Feb 2022 Mortgage Apr 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-241-056 |
| Primary APN | 09-241-056 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 3 Rooms |
| Stories | 2 Stories |
| Building Area | 2,352 sqft Living Area |
| Gross Area | 3,378 sqft |
| 1st Floor Area | 1,026 sqft |
| Basement Area | 1,482 sqft |
| Finished Basement | 1,026 sqft |
| Unfinished Basement | 456 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 37,505 sqft (0.861 acres) |
| Porch | Slab |
|---|---|
| Porch Area | 224 sqft |
| Deck Area | 722 sqft |
| Patio Area | 722 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 416 RIDGEWOOD DR |
|---|---|
| City | MONROE |
| State | NC |
| Zip | 28112-6368 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | R-10 MONRO |
| Legal Description | #323 RIDGEWOOD PB4 PG99 |
| Legal Subdivision | RIDGEWOOD |
| Legal Lot Number | 23 |
| Jurisdiction | UNION NC |
| Township / Civil Division | MONROE |
| Census Block Group | 1 |
| Census Block | 1030 |
| Census Tract | 20502 |
416 Ridgewood Dr, a rural home, is owned and occupied by an individual who bought it in April 2019.
Source: Union County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 416 RIDGEWOOD DR, MONROE, NC 28112-6368 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 2, 2022 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Apr 12, 2019 | Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 12, 2019 · Amount on File |
| Deed Sale | Apr 12, 2019 · Amount on File |
| Prior Sale | Aug 25, 2015 · Amount on File |
| Deed Document Number | 20199431 |
| Deed Book / Page | 7348 / 184 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 416 RIDGEWOOD DR, MONROE, NC 28112-6368 |
| Transaction Type | Mortgage |
| Record Updated | Feb 16, 2022 |
| Title Company | AMROCK INC, AMROCK |
| Name | Verified Name |
|---|
| Document Number | 0008390187 |
|---|---|
| Date | Feb 2, 2022 |
| Book Page | 8390/187 |
| Instrument | 4266 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Apr 12, 2019 |
| Property Address | 416 RIDGEWOOD DR, MONROE, NC 28112-6368 |
| Document Number | 7348184 |
| Book / Page | 007348 / 000184 |
| Instrument Date | Apr 12, 2019 |
| Instrument | 9431 |
| Transaction Type | Transfer |
| Record Updated | Jun 4, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $580.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 416 RIDGEWOOD DR MONROE NC 281126368, MONROE, NC 28112-6368 |
| Document Number | 7348186 |
|---|---|
| Date | Apr 12, 2019 |
| Book Page | 007348/000186 |
| Instrument | 9432 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 11, 2049 |
The 2025 property tax bill for 416 Ridgewood Dr was $3,499.
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 | $400,300 (-) Land $72,600 Building $327,700 | $400,300 (-) Land $72,600 Building $327,700 | |
| 2025 | $3,499.00 | $400,300 Land $72,600 Building $327,700 | $400,300 Land $72,600 Building $327,700 |
| 2023 | $3,128.00 | $286,900 Land $28,900 Building $258,000 | $286,900 Land $28,900 Building $258,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 416 Ridgewood Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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.
Wildfire risk around 416 Ridgewood Dr is low, with a 0.01% 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 | 0.01% 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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