518 Circle Trace Rd, Monroe, NC 28110 Property Records

Union County property record for 518 Circle Trace Rd, Monroe, NC 28110

Property Summary

Property Type	Rural Home
Details	4 bd · 3.5 ba · 2,308 sqft · built 2001
Lot Size	0.247 acres (10,759 sqft)
Owner	2 Individual Names on Record
Last Sale	$298,000 (Dec 2020)
Tax Bill	$2,305 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-006-075`

Property Details

APN / Parcel Number

Primary APN	`06-006-075`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	2,308 sqft Living Area
Gross Area	2,788 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,759 sqft (0.247 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	139 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	518 CIRCLE TRACE RD
City	MONROE
State	NC
Zip	28110-7674
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R-40 WESLE
Legal Description	#13 POTTERS TRACE PH1 OPCG052
Legal Subdivision	POTTERS TRACE
Legal Lot Number	13
Jurisdiction	UNION NC
Township / Civil Division	SANDY RIDGE
Census Block Group	2
Census Block	2015
Census Tract	20308

Owner

Source: Union County records, as of March 31, 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	518 CIRCLE TRACE RD, MONROE, NC 28110-7674
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 14, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Dec 2, 2020	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 2, 2020 · Amount on Record
Deed Sale	Dec 2, 2020 · Amount on Record
Prior Sale	Jul 30, 2001 · Amount on Record
Deed Document Number	202050102
Deed Book / Page	7907 / 348
Record Updated	Jun 8, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	518 CIRCLE TRACE RD, MONROE, NC 28110-7674
Transaction Type	Mortgage
Record Updated	Jun 24, 2022
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008500534
Date	Jun 14, 2022
Book Page	8500/534
Instrument	21292

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	358 Months
Due	Apr 15, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Dec 2, 2020
Property Address	518 CIRCLE TRACE RD, MONROE, NC 28110-7674
Document Number	0007907348
Book / Page	7907 / 348
Map Reference	CAB G FILE 52
Instrument Date	Dec 2, 2020
Instrument	50102
Transaction Type	Transfer
Record Updated	Dec 14, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$596.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	518 CLITIE TRACE ROAD, 518, MONROE, NC 28110

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	518 CIRCLE TRACE RD, MONROE, NC 28110-7674

Mortgage

Document Number	0000050103
Date	Dec 2, 2020
Instrument	50103

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

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

Tax Assessment & Valuation

Source: Union County assessment roll, as of March 31, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Union County
Municipality	Wesley Chapel Village
Unified School District	Union County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,305.00 (+33.16%)	$473,400 (+74.56%) Land $102,000 Building $371,400	$473,400 (+74.56%) Land $102,000 Building $371,400
2023	$1,731.00	$271,200 Land $56,600 Building $214,600	$271,200 Land $56,600 Building $214,600

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

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

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	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 201 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ripple Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Circle Trace Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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