608 Circle Trace Rd, Monroe, NC 28110 Property Records

Union County property record for 608 Circle Trace Rd, Monroe, NC 28110 · Last verified April 2026

Property Summary

Property Type	Rural Home
Details	4 bd · 2.5 ba · 2,656 sqft · built 2000
Lot Size	0.532 acres (23,174 sqft)
Owner	Company Name on File
Last Sale	$287,500 (Mar 2019)
Tax Bill	$2,490 (2025)
Deeds & Mortgages	Dec 2023 Transfer Apr 2023 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`06-006-083`

Property Details

APN / Parcel Number

Primary APN	`06-006-083`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	2,656 sqft Living Area
Gross Area	3,156 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	23,174 sqft (0.532 acres)
Garage Type	Attached
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	133 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	608 CIRCLE TRACE RD
City	MONROE
State	NC
Zip	28110-7675
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	#20 POTTERS TRACE PH1 OPCG052
Legal Subdivision	POTTERS TRACE
Legal Lot Number	20
Jurisdiction	UNION NC
Township / Civil Division	SANDY RIDGE
Census Block Group	2
Census Block	2015
Census Tract	20308

Owner

Source: Union County records · APN 06-006-083

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	Company Name on File
Mailing Address	608 CIRCLE TRACE RD, MONROE, NC 28110-7675
Owner Type	Company
Vesting	Trust, Revocable Living Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 27, 2023	Intrafamily Transfer, Transfer
Apr 04, 2023	Intrafamily Transfer, Transfer
Feb 22, 2022	Deed of Trust, Mortgage · Conventional Mortgage RBC BANK USA
Dec 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage RBC BK (GEORGIA) NA
Mar 05, 2019	Warranty Deed, Transfer · ARM RBC BANK (GEORGIA) NA

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 05, 2019 · Amount on Record
Deed Sale	Mar 05, 2019 · Amount on Record
Deed Document Number	20195422
Deed Book / Page	7324 / 176
Last Transfer Date	Oct 28, 2023
Transfer Doc	0008831803
Record Updated	Jun 08, 2026

December 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	UNION NC
Recording Date	Dec 27, 2023
Property Address	608 CIRCLE TRACE RD, MONROE, NC 28110-7675
Document Number	0008831803
Book / Page	8831 / 803
Map Reference	CAB G FILE 52
Instrument Date	Oct 28, 2023
Instrument	30591
Transaction Type	Transfer
Record Updated	Jan 16, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	608 CIRCLE TRACE RD, MONROE, NC 28110-7675

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	608 CIRCLE TRACE RD, MONROE, NC 28110-7675

April 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	UNION NC
Recording Date	Apr 04, 2023
Property Address	608 CIRCLE TRACE RD, MONROE, NC 28110-7675
Document Number	0008683872
Book / Page	8683 / 872
Map Reference	CAB G FILE 52
Instrument Date	Apr 04, 2023
Instrument	7715
Transaction Type	Transfer
Record Updated	Apr 26, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	608 CIRCLE TRACE RD, MONROE, NC 28110-7675

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	608 CIRCLE TRACE RD, MONROE, NC 28110-7675

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	608 CIRCLE TRACE RD, MONROE, NC 28110-7675
Transaction Type	Mortgage
Record Updated	Mar 04, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000840514
Date	Feb 22, 2022
Book Page	8405/14
Instrument	6584

Lender

Name	RBC BANK USA
Type	Bank
Address	RALEIGH, NC 27617

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Mar 01, 2025
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	5.5%
Index	Other
Margin	3
Max Rate	5.5%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	608 CIRCLE TRACE RD, MONROE, NC 28110-7675
Document Number	7932142
Instrument Date	Dec 18, 2020
Transaction Type	Mortgage
Record Updated	Jan 07, 2021
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	608 CIRCLE TRACE RD MONROE NC 281107675, MONROE, NC 28110-7675

Mortgage

Document Number	7932142
Date	Dec 23, 2020
Book Page	007932/000142
Instrument	53681

Lender

Name	RBC BK (GEORGIA) NA
Type	Bank
Address	RALEIGH, NC 27617

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 22, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.87%

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Mar 05, 2019
Property Address	608 CIRCLE TRACE RD, MONROE, NC 28110-7675
Document Number	0007324176
Book / Page	7324 / 176
Map Reference	CAB G FILE 52
Instrument Date	Mar 05, 2019
Instrument	0005422
Transaction Type	Transfer
Record Updated	Dec 14, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$575.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5007 MAGNA LN, 5007, INDIAN TRAIL, NC 28079-4260

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	608 CIRCLE TRACE RD, MONROE, NC 28110-7675

Mortgage

Document Number	0000005423
Date	Mar 05, 2019
Instrument	0005423

Lender

Name	RBC BANK (GEORGIA) NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Apr 01, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.75%
Index	1-Year LIBOR
Max Rate	8.75%

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	Wesley Chapel Village
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	$2,490.00 (+33.23%)	$511,200 (+74.59%) Land $102,000 Building $409,200	$511,200 (+74.59%) Land $102,000 Building $409,200
2023	$1,869.00	$292,800 Land $56,600 Building $236,200	$292,800 Land $56,600 Building $236,200

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Nearby Flood Policies	2 in force

Wildfire

Wildfire Risk	Low above 20% of the US · above 24% of North Carolina
Wildfire Likelihood	About 1 in 10,000 per year
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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 201 locations within about half a mile of this property

Provider	Technology	Download / Upload (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

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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