4708 Ceria Dr, Monroe, NC 28112 Property Records

Union County property record for 4708 Ceria Dr, Monroe, NC 28112

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,376 sqft · built 1997
Lot Size	1.06 acres (46,174 sqft)
Owner	Individual Name on File
Last Sale	$191,000 (Dec 2017)
Tax Bill	$1,798 (2025)
Deeds & Mortgages	Nov 2019 Mortgage Dec 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-231-082`

Property Details

APN / Parcel Number

Primary APN	`04-231-082`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,376 sqft Living Area
Gross Area	1,856 sqft
1st Floor Area	1,376 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	46,174 sqft (1.06 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	90 sqft
Deck Area	196 sqft
Patio Area	196 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4708 CERIA DR
City	MONROE
State	NC
Zip	28112-8068
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA-40 UNIO
Legal Description	#29 WOODFIELD OPCE396-397
Legal Subdivision	WOODFIELD
Legal Lot Number	29
Jurisdiction	UNION NC
Township / Civil Division	BUFORD
Census Block Group	4
Census Block	4009
Census Tract	20902

Owner

4708 Ceria Dr is owned and occupied by an individual who bought it in December 2017.

Source: Union County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	4708 CERIA DR, MONROE, NC 28112-8068
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2019	Deed of Trust, Mortgage · FHA Mortgage BROKER SOLUTIONS INC
Dec 14, 2017	Warranty Deed, Transfer · FHA Mortgage ATLANTIC BAY MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 14, 2017 · Amount on File
Deed Sale	Dec 14, 2017 · Amount on File
Prior Sale	Dec 29, 1998 · Amount on File
Deed Document Number	201736463
Deed Book / Page	7070 / 728
Prior Transfer Date	Nov 18, 2010
Prior Transfer Doc	5450326
Record Updated	Oct 29, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	4708 CERIA DR, MONROE, NC 28112-8068
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7522720
Date	Nov 22, 2019
Book Page	7522/720
Instrument	0036470

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company
Address	TUSTIN, CA 92780

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Dec 14, 2017
Property Address	4708 CERIA DR, MONROE, NC 28112-8068
Document Number	7070728
Book / Page	007070 / 000728
Instrument Date	Dec 14, 2017
Instrument	36463
Transaction Type	Transfer
Record Updated	Aug 29, 2018
Title Company	AUSTIN TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$382.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4708 CERIA DR MONROE NC 281128068, MONROE, NC 28112-8068

Mortgage

Document Number	7070730
Date	Dec 14, 2017
Book Page	007070/000730
Instrument	36464

Lender

Name	ATLANTIC BAY MTG
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 13, 2047

Mortgage

Document Number	7070744,
Date	Dec 14, 2017
Book Page	007070/000744
Instrument	36465

Lender

Name	HOUSING FIN AGCY
Address	RALEIGH, NC 27611-8066

Agreement

Amount	Amount on Record
Term	180 Months
Due	Dec 13, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 4708 Ceria Dr was $1,798.

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		$390,300 (-) Land $70,000 Building $320,300	$390,300 (-) Land $70,000 Building $320,300
2025	$1,798.00	$390,300 Land $70,000 Building $320,300	$390,300 Land $70,000 Building $320,300
2023	$1,362.00	$219,400 Land $45,000 Building $174,400	$219,400 Land $45,000 Building $174,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4708 Ceria Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 4708 Ceria Dr is low, with a 0.02% 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	0.02% 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 49 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Starlink Satellite	280 / 30

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Ceria Dr

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