610 Bruce Thomas Rd, Monroe, NC 28112 Property Records

Union County property record for 610 Bruce Thomas Rd, Monroe, NC 28112

Property Summary

Property Type	Single Family Home
Details	built 2022
Lot Size	5.92 acres (257,875 sqft)
Owner	Individual Name on Record
Last Sale	$75,000 (Jul 2021)
Tax Bill	$1,573 (2025)
Deeds & Mortgages	Mar 2022 Construction Loan Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-117-011J`

Property Details

APN / Parcel Number

Primary APN	`04-117-011J`

Interior

Bedrooms	1 Bed
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	962 sqft Living Area
1st Floor Area	624 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Lot Area	257,875 sqft (5.92 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	610 BRUCE THOMAS RD
City	MONROE
State	NC
Zip	28112-7364
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	#1 OPCP828
Legal Tract	1
Jurisdiction	UNION NC
Township / Civil Division	BUFORD
Census Block Group	3
Census Block	3025
Census Tract	20901

Owner

Source: Union County records, as of October 20, 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 Record
Mailing Address	610 BRUCE THOMAS RD, MONROE, NC 28112-7364
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2022	Intrafamily Transfer, Transfer · Construction Mortgage CAROLINA FARM CREDIT ACA
Jul 23, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage CAROLINA FARM CREDIT ACA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 23, 2021 · Amount on Record
Deed Sale	Jul 23, 2021 · Amount on Record
Deed Document Number	202134733
Deed Book / Page	8180 / 201
Last Transfer Date	Mar 17, 2022
Transfer Doc	0008428684
Record Updated	Oct 29, 2026

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	UNION NC
Recording Date	Mar 17, 2022
Property Address	610 BRUCE THOMAS RD, MONROE, NC 28112-7364
Document Number	0008428684
Book / Page	8428 / 684
Map Reference	CAB P FILE 828&829
Instrument Date	Mar 17, 2022
Instrument	10116
Transaction Type	Transfer
Record Updated	Mar 31, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1107 LAKEWOOD DR, MONROE, NC 28112-6127

Mortgage

Document Number	0000010117
Date	Mar 17, 2022
Instrument	10117

Lender

Name	CAROLINA FARM CREDIT ACA
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Apr 1, 2053

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Jul 23, 2021
Property Address	610 BRUCE THOMAS RD, MONROE, NC 28112-7364
Document Number	0008180201
Book / Page	8180 / 201
Map Reference	CAB P FILE 828&829
Instrument Date	Jul 23, 2021
Instrument	34733
Transaction Type	Transfer
Record Updated	Mar 31, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$150.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1107 LAKEWOOD DR, MONROE, NC 28112-6127

Mortgage

Document Number	0000034734
Date	Jul 23, 2021
Instrument	34734

Lender

Name	CAROLINA FARM CREDIT ACA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	36 Months
Due	Jul 1, 2024

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$329,100 (-) Land $123,600 Building $205,500	$329,100 (-) Land $123,600 Building $205,500
2025	$1,573.00 (+29.36%)	$329,100 (+68.51%) Land $123,600 Building $205,500	$329,100 (+68.51%) Land $123,600 Building $205,500
2023	$1,216.00	$195,300 Land $50,900 Building $144,400	$195,300 Land $50,900 Building $144,400

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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