4731 Ceria Dr, Monroe, NC 28112 Property Records

Union County property record for 4731 Ceria Dr, Monroe, NC 28112

Property Summary

Property Type	Rural Home
Details	2 bd · 2 ba · 1,271 sqft · built 1997
Lot Size	0.93 acres (40,511 sqft)
Owner	2 Individual Names on File
Last Sale	$109,000 (Jun 1998)
Tax Bill	$1,606 (2025)
Deeds & Mortgages	May 2021 Mortgage Apr 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-231-056`

Property Details

APN / Parcel Number

Primary APN	`04-231-056`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,271 sqft Living Area
Gross Area	1,712 sqft
1st Floor Area	1,271 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	40,511 sqft (0.93 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	30 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4731 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	#3 WOODFIELD CERIA DR
Legal Subdivision	WOODFIELD
Jurisdiction	UNION NC
Township / Civil Division	BUFORD
Census Block Group	4
Census Block	4009
Census Tract	20902

Owner

4731 Ceria Dr, a rural home, is owned and occupied by two individuals who bought it in June 1998.

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

Owner of Record	2 Individual Names on File
Mailing Address	4731 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
May 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Apr 28, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 16, 1998 · Amount on File
Deed Sale	Jun 16, 1998 · Amount on File
Prior Sale	Jan 3, 1997 · Amount on File
Deed Document Number	199848397
Deed Book / Page	1107 / 557
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	4731 CERIA DR, MONROE, NC 28112-8068
Transaction Type	Mortgage
Record Updated	Jun 11, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	8113140
Date	May 25, 2021
Book Page	8113/140
Instrument	24740

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	145 Months
Due	Jun 1, 2033

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	4731 CERIA DR, MONROE, NC 28112-8068
Document Number	7149846
Instrument Date	Apr 28, 2018
Transaction Type	Mortgage
Record Updated	May 31, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4731 CERIA DR MONROE NC 281128068, MONROE, NC 28112-8068

Mortgage

Document Number	7149846
Date	May 3, 2018
Book Page	007149/000846
Instrument	11877

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 2, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 4731 Ceria Dr was $1,606.

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		$348,600 (-) Land $70,000 Building $278,600	$348,600 (-) Land $70,000 Building $278,600
2025	$1,606.00	$348,600 Land $70,000 Building $278,600	$348,600 Land $70,000 Building $278,600
2023	$1,238.00	$199,500 Land $45,000 Building $154,500	$199,500 Land $45,000 Building $154,500

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

Flood

FEMA maps place 4731 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 4731 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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