522 Ridge Rd, Monroe, NC 28110 Property Records

Union County property record for 522 Ridge Rd, Monroe, NC 28110

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,472 sqft · built 2018
Lot Size	3.21 acres (140,002 sqft)
Owner	Individual Name on File
Last Sale	$50,000 (Sep 2015)
Tax Bill	$3,098 (2025)
Deeds & Mortgages	Nov 2017 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`09-210-003R`

Property Details

APN / Parcel Number

Primary APN	`09-210-003R`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,472 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Construction Type	Wood
Roof Type	Gable
Lot Area	140,002 sqft (3.21 acres)
Garage Type	Attached
Garage Area	670 sqft
Porch	Slab
Porch Area	472 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	522 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	LOT 2 RIDGE RD OPCM829
Legal Lot Number	2
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	1
Census Block	1013
Census Tract	20206

Owner

Source: Union County records · APN 09-210-003R

Assessment roll updated March 31, 2026 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	522 RIDGE RD, MONROE, NC 28110-9477
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 17, 2015 · Amount on Record
Deed Sale	Sep 17, 2015 · Amount on Record
Deed Book / Page	6530 / 751
Record Updated	Jun 08, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	522 RIDGE RD, MONROE, NC 28110-9477
Transaction Type	Mortgage
Record Updated	Feb 07, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7062645
Date	Nov 30, 2017
Book Page	7062/645
Instrument	0035112

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	367 Months
Due	Jun 01, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Change Frequency	5 Years
Index	5-Year CMT
Max Rate	6%

Tax Assessment & Valuation

Source: Union County records · Assessment roll updated March 31, 2026 · Last verified April 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Union County
Municipality	Unionville Town
Unified School District	Union County Public Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,098.00 (+6.21%)	$609,700 (+39.87%) Land $105,300 Building $504,400	$609,700 (+39.87%) Land $105,300 Building $504,400
2023	$2,917.00	$435,900 Land $53,100 Building $382,800	$435,900 Land $53,100 Building $382,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 14, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Low lower than 97% of the US · lower than 98.5% of North Carolina
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

Based on FCC filings for 19 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	UNION COUNTY WATER SYSTEM serves 169,685 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.