623 Cedarwood Dr, Monroe, NC 28112 Property Records

Union County property record for 623 Cedarwood Dr, Monroe, NC 28112

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,662 sqft · built 1979
Lot Size	2.03 acres (88,427 sqft)
Owner	Individual Name on File
Tax Bill	$1,877 (2025)
Deeds & Mortgages	Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-198-040`

Property Details

APN / Parcel Number

Primary APN	`04-198-040`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,662 sqft Living Area
1st Floor Area	1,662 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	88,427 sqft (2.03 acres)

Exterior Amenities

Porch	Slab
Porch Area	108 sqft
Deck Area	300 sqft
Patio Area	300 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	623 CEDARWOOD DR
City	MONROE
State	NC
Zip	28112-9346
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA-40 UNIO
Legal Description	#22 & P/23 CEDARWOOD SOUTH
Legal Subdivision	CEDARWOOD SOUTH
Jurisdiction	UNION NC
Township / Civil Division	BUFORD
Census Block Group	1
Census Block	1001
Census Tract	20902

Owner

623 Cedarwood Dr is owned and occupied by an individual.

Source: Union County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	623 CEDARWOOD DR, MONROE, NC 28112-9346
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Oct 29, 2020
Property Address	623 CEDARWOOD DR, MONROE, NC 28112-9346
Document Number	7864468
Book / Page	007864 / 000468
Instrument Date	Oct 28, 2020
Instrument	44073
Transaction Type	Transfer
Record Updated	Dec 9, 2020
Title Company	BARRISTERS TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$420.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	623 CEDARWOOD DR MONROE NC 281129346, MONROE, NC 28112-9346

Mortgage

Document Number	7864470
Date	Oct 29, 2020
Book Page	007864/000470
Instrument	44074

Lender

Name	OLD SECOND NAT'L BK
Type	Bank
Address	AURORA, IL 60506

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 28, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 623 Cedarwood Dr was $1,877.

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		$415,800 (-) Land $81,800 Building $334,000	$415,800 (-) Land $81,800 Building $334,000
2025	$1,877.00	$415,800 Land $81,800 Building $334,000	$415,800 Land $81,800 Building $334,000
2023	$1,419.00	$233,400 Land $45,800 Building $187,600	$233,400 Land $45,800 Building $187,600

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

Flood

FEMA maps place 623 Cedarwood Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 623 Cedarwood Dr is low, with a 0.02% annual chance of 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	0.02% 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 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Cedarwood Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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