4723 Ceria Dr, Monroe, NC 28112 Property Records

Union County property record for 4723 Ceria Dr, Monroe, NC 28112

Property Summary

Property Type	Rural Home
Details	2 bd · 2 ba · 1,216 sqft · built 1997
Lot Size	0.92 acres (40,075 sqft)
Owner	2 Individual Names on Record
Last Sale	$300,000 (Oct 2021)
Tax Bill	$1,561 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Aug 2021 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04-231-058`

Property Details

APN / Parcel Number

Primary APN	`04-231-058`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,216 sqft Living Area
Gross Area	1,524 sqft
1st Floor Area	1,216 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	40,075 sqft (0.92 acres)
Garage Type	Attached
Garage Area	308 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	32 sqft
Deck Area	182 sqft
Patio Area	182 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4723 CERIA DR
City	MONROE
State	NC
Zip	28112-8068
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	RA-40 UNIO
Legal Description	#5 WOODFIELD OPCE396-397
Legal Subdivision	WOODFIELD
Legal Lot Number	5
Jurisdiction	UNION NC
Township / Civil Division	BUFORD
Census Block Group	4
Census Block	4009
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	2 Individual Names on Record
Mailing Address	4723 CERIA DR, MONROE, NC 28112-8068
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 28, 2021	Warranty Deed, Transfer · Conventional Mortgage LOCAL GOVERNMENT FCU
Aug 20, 2021	Warranty Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO
Dec 29, 2017	Warranty Deed, Transfer · FHA Mortgage QUICKEN LNS
Sep 6, 2017	Trustee's Deed, Foreclosure BUFFALO CREEK INVESTIMENTS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 28, 2021 · Amount on Record
Deed Sale	Oct 28, 2021 · Amount on Record
Prior Sale	Aug 20, 2021 · Amount on Record
Deed Document Number	202151528
Deed Book / Page	8295 / 625
Prior Transfer Date	Aug 30, 2017
Prior Transfer Doc	7009683
Record Updated	Oct 29, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Oct 28, 2021
Property Address	4723 CERIA DR, MONROE, NC 28112-8068
Document Number	0008295625
Book / Page	8295 / 625
Map Reference	CAB E FILE 396&397
Instrument Date	Oct 27, 2021
Instrument	51528
Transaction Type	Transfer
Record Updated	Aug 24, 2022
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$600.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	410 N SCOTTSDALE RD # RD1600, 410, TEMPE, AZ 85288-7094

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4723 CERIA DR, MONROE, NC 28112-8068

Mortgage

Document Number	0000051529
Date	Oct 28, 2021
Instrument	51529

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	3.15%
Type Change Date	Nov 1, 2026
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	5.15%
Index	5-Year CMT
Max Rate	9.15%

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Aug 20, 2021
Property Address	4723 CERIA DR, MONROE, NC 28112-8068
Document Number	0008213124
Book / Page	8213 / 124
Map Reference	CAB E FILE 396&397
Instrument Date	Aug 19, 2021
Instrument	39495
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Tax	$535.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4089 FLATS MAIN ST, INDIAN LAND, SC 29707-4594

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976
Investor	Possibly a Property Investor

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Dec 29, 2017
Property Address	4723 CERIA DR, MONROE, NC 28112-8068
Document Number	7080389
Book / Page	007080 / 000389
Instrument Date	Dec 29, 2017
Instrument	37980
Transaction Type	Transfer
Record Updated	Jan 24, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$360.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4723 CERIA DR MONROE NC 281128068, MONROE, NC 28112-8068

Mortgage

Document Number	7080392
Date	Dec 29, 2017
Book Page	007080/000392
Instrument	37981

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 28, 2047

September 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	UNION NC
Recording Date	Sep 6, 2017
Property Address	4723 CERIA DR, MONROE, NC 28112-8068
Document Number	0007009683
Book / Page	7009 / 683
Map Reference	CAB E FILE 396&397
Instrument Date	Aug 30, 2017
Instrument	0026224
Transaction Type	Foreclosure
Record Updated	Aug 24, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$248.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 639, LOCUST, NC 28097-0639

Mortgage

Document Number	0000026225
Date	Sep 6, 2017
Instrument	0026225

Lender

Name	BUFFALO CREEK INVESTIMENTS
Type	Non-Lending Institution

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Sep 6, 2018

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		$338,700 (-) Land $70,000 Building $268,700	$338,700 (-) Land $70,000 Building $268,700
2025	$1,561.00 (+30.08%)	$338,700 (+75.22%) Land $70,000 Building $268,700	$338,700 (+75.22%) Land $70,000 Building $268,700
2023	$1,200.00	$193,300 Land $45,000 Building $148,300	$193,300 Land $45,000 Building $148,300

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	0.02% 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

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