4735 Ceria Dr, Monroe, NC 28112 Property Records

Union County property record for 4735 Ceria Dr, Monroe, NC 28112

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,316 sqft · built 1998
Lot Size	0.92 acres (40,075 sqft)
Owner	Individual Name on File
Last Sale	$157,500 (Aug 2015)
Tax Bill	$1,727 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Dec 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-231-055`

Property Details

APN / Parcel Number

Primary APN	`04-231-055`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,316 sqft Living Area
Gross Area	1,822 sqft
1st Floor Area	1,316 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Conventional
Exterior Material	Brick
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	506 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	30 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	4735 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	#2 WOODFIELD OPCE396-397
Legal Subdivision	WOODFIELD
Legal Lot Number	2
Jurisdiction	UNION NC
Township / Civil Division	BUFORD
Census Block Group	4
Census Block	4009
Census Tract	20902

Owner

4735 Ceria Dr, a rural home, is owned and occupied by an individual who acquired it in April 2022.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	4735 CERIA DR, MONROE, NC 28112-8068
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 11, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage WYNDHAM CAPITAL MORTGAGE INC
Dec 27, 2019	Deed of Trust, Mortgage · Closed-End Mortgage PNC BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 13, 2015 · Amount on File
Deed Sale	Aug 13, 2015 · Amount on File
Prior Sale	May 16, 2006 · Amount on File
Deed Document Number	201525013
Deed Book / Page	6509 / 72
Last Transfer Date	Apr 4, 2022
Transfer Doc	0008449525
Record Updated	Oct 29, 2026

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	UNION NC
Recording Date	Apr 11, 2022
Property Address	4735 CERIA DR, MONROE, NC 28112-8068
Document Number	0008449525
Book / Page	8449 / 525
Map Reference	CAB E FILE 396
Instrument Date	Apr 4, 2022
Instrument	13282
Transaction Type	Transfer
Record Updated	Apr 25, 2022
Title Company	SIMPLE TITLE AND ESCROW, SILK TITLE & ESCROW LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4735 CERIA DR, MONROE, NC 28112-8068

Mortgage

Document Number	0000013283
Date	Apr 11, 2022
Instrument	13283

Lender

Name	WYNDHAM CAPITAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	4735 CERIA DR, MONROE, NC 28112-8068
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7551170
Date	Dec 27, 2019
Book Page	7551/170
Instrument	0040646

Lender

Name	PNC BANK NA
Type	Bank
Address	PITTSBURGH, PA 15222

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 4, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 4735 Ceria Dr was $1,727.

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		$374,800 (-) Land $70,000 Building $304,800	$374,800 (-) Land $70,000 Building $304,800
2025	$1,727.00	$374,800 Land $70,000 Building $304,800	$374,800 Land $70,000 Building $304,800
2023	$1,308.00	$210,700 Land $45,000 Building $165,700	$210,700 Land $45,000 Building $165,700

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

Flood

FEMA maps place 4735 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 4735 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

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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