4705 Richardson Rd, Monroe, NC 28112 Property Records

Union County property record for 4705 Richardson Rd, Monroe, NC 28112

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,086 sqft · built 1945
Lot Size	18.5 acres (808,038 sqft)
Owner	Individual Name on Record
Last Sale	$275,000 (Jun 2015)
Tax Bill	$1,860 (2025)
Deeds & Mortgages	Oct 2021 Line of Credit May 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`04-204-028`

Property Details

APN / Parcel Number

Primary APN	`04-204-028`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,086 sqft Living Area
Gross Area	2,172 sqft
1st Floor Area	1,086 sqft
Basement Area	1,086 sqft
Unfinished Basement	1,086 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Architectural Style	Cape Cod
Exterior Material	Brick
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	808,038 sqft (18.5 acres)
Garage Type	Carport
Garage Area	528 sqft
Carport	Carport
Carport Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	288 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	4705 RICHARDSON RD
City	MONROE
State	NC
Zip	28112-9398
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA-40 UNIO
Legal Description	18.55A OPCO710
Jurisdiction	UNION NC
Township / Civil Division	BUFORD
Census Block Group	1
Census Block	1010
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	4705 RICHARDSON RD, MONROE, NC 28112-9398
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2021	Deed of Trust, Mortgage · Line of Credit COGENT BANK
May 27, 2020	Quit Claim Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 16, 2015 · Amount on Record
Deed Sale	Jun 16, 2015 · Amount on Record
Deed Document Number	201517756
Deed Book / Page	6467 / 687
Last Transfer Date	May 21, 2020
Transfer Doc	7679850
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	4705 RICHARDSON RD, MONROE, NC 28112-9398
Transaction Type	Mortgage
Record Updated	Oct 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4705 RICHARDSON RD, MONROE, NC 28112-9398

Mortgage

Document Number	8279417
Date	Oct 14, 2021
Book Page	8279/417
Instrument	49109

Lender

Name	COGENT BANK
Type	Bank
Address	MONROE, NC 28110

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	238 Months
Due	Aug 25, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	UNION NC
Recording Date	May 27, 2020
Property Address	4705 RICHARDSON RD, MONROE, NC 28112-9398
Document Number	7679850
Book / Page	007679 / 000850
Instrument Date	May 21, 2020
Instrument	18219
Transaction Type	Transfer
Record Updated	Jul 15, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4705 RICHARDSON RD MONROE NC 281129398, MONROE, NC 28112-9398

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		$403,600 (-) Land $206,400 Building $197,200	$403,600 (-) Land $206,400 Building $197,200
2025	$1,860.00 (+22.05%)	$403,600 (+64.33%) Land $206,400 Building $197,200	$403,600 (+64.33%) Land $206,400 Building $197,200
2023	$1,524.00	$245,600 Land $115,100 Building $130,500	$245,600 Land $115,100 Building $130,500

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	0.03% 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 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Richardson Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures