Union County property record for 523 Circle Trace Rd, Monroe, NC 28110
| Property Type | Rural Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,137 sqft · built 2004 |
| Lot Size | 0.307 acres (13,373 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $500 (Nov 2010) |
| Tax Bill | $2,776 (2025) |
| Deeds & Mortgages | Mar 2022 Mortgage Jul 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-006-098 |
| Primary APN | 06-006-098 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 3,137 sqft Living Area |
| Gross Area | 3,599 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Conventional |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 13,373 sqft (0.307 acres) |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 523 CIRCLE TRACE RD |
|---|---|
| City | MONROE |
| State | NC |
| Zip | 28110-7674 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | #62 & 62B POTTERS TRACE PH1 |
| Legal Subdivision | POTTERS TRACE |
| Legal Lot Number | 62 |
| Jurisdiction | UNION NC |
| Township / Civil Division | SANDY RIDGE |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 20308 |
Source: Union County records · APN 06-006-098
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 523 CIRCLE TRACE RD, MONROE, NC 28110-7674 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 07, 2022 | Deed of Trust, Mortgage · Conventional Mortgage SOFI LENDING CORP |
| Jul 10, 2019 | Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 23, 2010 · Amount on Record |
| Deed Sale | Nov 23, 2010 · Amount on Record |
| Prior Sale | Apr 22, 2004 · Amount on Record |
| Deed Document Number | 201030166 |
| Deed Book / Page | 5442 / 830 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 523 CIRCLE TRACE RD, MONROE, NC 28110-7674 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2022 |
| Title Company | COVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SVCS LLC |
| Name | Verified Name |
|---|
| Document Number | 0008418361 |
|---|---|
| Date | Mar 07, 2022 |
| Book Page | 8418/361 |
| Instrument | 8531 |
| Name | SOFI LENDING CORP |
|---|---|
| Type | Lending Institution |
| Address | SALT LAKE CITY, UT 84121 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 523 CIRCLE TRACE RD, MONROE, NC 28110-7674 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 7410787 |
|---|---|
| Date | Jul 10, 2019 |
| Book Page | 7410/787 |
| Instrument | 0019468 |
| Name | BROKER SOLUTIONS INC |
|---|---|
| Type | Funding / Finance Company |
| Address | TUSTIN, CA 92780 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Aug 01, 2034 |
Source: Union County records · Assessment roll updated March 31, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Union County |
| Municipality | Wesley Chapel Village |
| Unified School District | Union County Public Schools (PK - 12) |
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 | $2,776.00 (+38.25%) | $570,000 (+81.18%) Land $102,000 Building $468,000 | $570,000 (+81.18%) Land $102,000 Building $468,000 |
| 2023 | $2,008.00 | $314,600 Land $56,600 Building $258,000 | $314,600 Land $56,600 Building $258,000 |
Source: FEMA National Flood Hazard Layer, Union County (37179C), updated September 14, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 371790203082, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 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 |
| 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 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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 201 locations within half a mile · Last verified October 2026
| 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 USA Fixed Wireless | 100 / 20 |
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, 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 |
| 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.
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