Union County property record for 515 Ridge Rd, Monroe, NC 28110
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,298 sqft · built 1989 |
| Lot Size | 1.13 acres (49,223 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $250,000 (Sep 2019) |
| Tax Bill | $1,654 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Sep 2019 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-210-003B |
| Primary APN | 09-210-003B |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,298 sqft Living Area |
| 1st Floor Area | 1,298 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Foundation Type | Raised |
| Roof Material | Composition Shingle |
| Lot Area | 49,223 sqft (1.13 acres) |
| Deck Area | Deck Area |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 515 RIDGE RD |
|---|---|
| City | MONROE |
| State | NC |
| Zip | 28110-9477 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA-40 UNIO |
| Legal Description | 7466-403 |
| Jurisdiction | UNION NC |
| Township / Civil Division | MONROE |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 20401 |
515 Ridge Rd is owned and occupied by two individuals who acquired it in November 2021.
Source: Union County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 515 RIDGE RD, MONROE, NC 28110-9477 |
| 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.
| Date | Document |
|---|---|
| Nov 12, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage TRUIST BANK |
| Sep 3, 2019 | Warranty Deed, Transfer · Conventional Mortgage BRANCH BANKING AND TRUST CO |
| Sep 17, 2019 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Sep 3, 2019 | Warranty Deed, Transfer · Conventional with PMI BRANCH BK&TR |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 3, 2019 · Amount on File |
| Deed Sale | Sep 3, 2019 · Amount on File |
| Deed Document Number | 201926397 |
| Deed Book / Page | 7456 / 201 |
| Last Transfer Date | Nov 5, 2021 |
| Transfer Doc | 0000831187 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Nov 12, 2021 |
| Property Address | 515 RIDGE RD, MONROE, NC 28110-9477 |
| Document Number | 0000831187 |
| Book / Page | 8311 / 87 |
| Instrument Date | Nov 3, 2021 |
| Instrument | 53852 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2022 |
| Title Company | BOSTON NATIONAL TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 515 RIDGE RD, MONROE, NC 28110-9477 |
| Document Number | 0000053853 |
|---|---|
| Date | Nov 12, 2021 |
| Instrument | 53853 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Sep 3, 2019 |
| Property Address | 515 RIDGE RD, MONROE, NC 28110-9477 |
| Document Number | 0007456201 |
| Book / Page | 7456 / 201 |
| Instrument Date | Aug 14, 2019 |
| Instrument | 0026397 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $500.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 515 RIDGE RD, MONROE, NC 28110-9477 |
| Document Number | 0000026398 |
|---|---|
| Date | Sep 3, 2019 |
| Instrument | 0026398 |
| Name | BRANCH BANKING AND TRUST CO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Sep 17, 2019 |
| Property Address | 515 RIDGE RD, MONROE, NC 28110-9477 |
| Document Number | 7466403 |
| Book / Page | 007466 / 000403 |
| Instrument Date | Aug 14, 2019 |
| Instrument | 28012 |
| Transaction Type | Transfer |
| Record Updated | Oct 3, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 515 RIDGE RD MONROE NC 281109477, MONROE, NC 28110-9477 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Sep 3, 2019 |
| Property Address | 515 RIDGE RD, MONROE, NC 28110-9477 |
| Document Number | 7456201 |
| Book / Page | 007456 / 000201 |
| Instrument Date | Aug 14, 2019 |
| Instrument | 26397 |
| Transaction Type | Transfer |
| Record Updated | Sep 27, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $500.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 515 RIDGE RD MONROE NC 281109477, MONROE, NC 28110-9477 |
| Document Number | 7456204 |
|---|---|
| Date | Sep 3, 2019 |
| Book Page | 007456/000204 |
| Instrument | 26398 |
| Name | BRANCH BK&TR |
|---|---|
| Type | Bank |
| Address | WILSON, NC 27893 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 2, 2049 |
The 2025 property tax bill for 515 Ridge Rd was $1,654.
Source: Union County assessment roll, as of March 31, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Union County |
| Municipality | Unionville Town |
| Unified School District | Union County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $325,500 (-) Land $72,200 Building $253,300 | $325,500 (-) Land $72,200 Building $253,300 | |
| 2025 | $1,654.00 | $325,500 Land $72,200 Building $253,300 | $325,500 Land $72,200 Building $253,300 |
| 2023 | $1,616.00 | $241,500 Land $37,500 Building $204,000 | $241,500 Land $37,500 Building $204,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 515 Ridge Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.
Source: FEMA National Flood Hazard Layer, effective September 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 1 (2020) |
| Most Recent Claim | Feb 2020 · other causes |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 515 Ridge Rd is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 97.9% of North Carolina |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 19 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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