4220 Sincerity Rd, Monroe, NC 28110 Property Records

Union County property record for 4220 Sincerity Rd, Monroe, NC 28110

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,214 sqft · built 2018
Lot Size	1.05 acres (45,738 sqft)
Owner	Individual Name on Record
Last Sale	$265,000 (Apr 2019)
Tax Bill	$2,266 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Oct 2021 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`08-075-005`

Property Details

APN / Parcel Number

Primary APN	`08-075-005`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,214 sqft Living Area

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Construction Type	Wood
Roof Type	Gable
Lot Area	45,738 sqft (1.05 acres)
Garage Type	Attached
Garage Area	476 sqft
Porch	Slab
Porch Area	128 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4220 SINCERITY RD
City	MONROE
State	NC
Zip	28110-0660
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA-40 UNIO
Legal Description	1.05A OPCO141
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 March 31, 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	4220 SINCERITY RD, MONROE, NC 28110-0660
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOWER LLC
Oct 14, 2021	Deed of Trust, Mortgage · Line of Credit LOWER LLC
Mar 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC
Jun 6, 2018	Warranty Deed, Transfer ATTORNEY ONLY
Feb 14, 2017	Warranty Deed, Transfer ATTORNEY ONLY
Jan 10, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 16, 2019 · Amount on Record
Deed Sale	Apr 16, 2019 · Amount on Record
Prior Sale	Jun 6, 2018 · Amount on Record
Deed Document Number	20199835
Deed Book / Page	7350 / 725
Prior Transfer Date	Feb 10, 2017
Prior Transfer Doc	0006876400
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	4220 SINCERITY RD, MONROE, NC 28110-0660
Transaction Type	Mortgage
Record Updated	Jul 11, 2023
Title Company	MEY MAX TITLE AGENCY, MEYMAX TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008279590
Date	Oct 14, 2021
Book Page	8279/590
Instrument	49132

Lender

Name	LOWER LLC
Type	Mortgage Company
Address	COLUMBIA, MD 21046

Agreement

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

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	4220 SINCERITY RD, MONROE, NC 28110-0660
Transaction Type	Mortgage
Record Updated	Jul 11, 2023
Title Company	MEY MAX TITLE AGENCY, MEYMAX TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008279600
Date	Oct 14, 2021
Book Page	8279/600
Instrument	49133

Lender

Name	LOWER LLC
Type	Mortgage Company
Address	COLUMBIA, MD 21046

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Nov 25, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	4220 SINCERITY RD, MONROE, NC 28110-0660
Transaction Type	Mortgage
Record Updated	Jul 11, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008025172
Date	Mar 15, 2021
Book Page	8025/172
Instrument	11859

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Jan 1, 2051

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Jun 6, 2018
Property Address	4220 SINCERITY RD, MONROE, NC 28110-0660
Document Number	7170126
Book / Page	007170 / 000126
Instrument Date	Jun 1, 2018
Instrument	15278
Transaction Type	Transfer
Record Updated	Jun 27, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$100.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4389 INDIAN TRAIL FAIRVIEW RD INDIAN TRAIL NC 280799639, INDIAN TRAIL, NC 28079-9639

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Feb 14, 2017
Property Address	4220 SINCERITY RD, MONROE, NC 28110-0660
Document Number	6876400
Book / Page	006876 / 000400
Instrument Date	Feb 10, 2017
Instrument	4132
Transaction Type	Transfer
Record Updated	May 9, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2105 JOE ST KANNAPOLIS NC 280834037, KANNAPOLIS, NC 28083-4037

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	UNION NC
Recording Date	Jan 10, 2017
Property Address	4220 SINCERITY RD, MONROE, NC 28110-0660
Document Number	6857182
Book / Page	006857 / 000182
Instrument Date	Dec 30, 2016
Instrument	624
Transaction Type	Transfer
Record Updated	Feb 24, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	311 WOODBROOK PL NE CONCORD NC 280252942, CONCORD, NC 28025-2942

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
2025	$2,266.00 (+7.75%)	$464,200 (+43.32%) Land $69,900 Building $394,300	$464,200 (+43.32%) Land $69,900 Building $394,300
2023	$2,103.00	$323,900 (-) Land $36,900 Building $287,000	$323,900 (-) Land $36,900 Building $287,000
2022	$2,103.00	$323,900 Land $36,900 Building $287,000	$323,900 Land $36,900 Building $287,000

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	0.01% 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 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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