624 E Sandy Ridge Rd, Monroe, NC 28112 Property Records

Union County property record for 624 E Sandy Ridge Rd, Monroe, NC 28112

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,848 sqft · built 1992
Lot Size	2 acres (87,207 sqft)
Owner	2 Individual Names on Record
Last Sale	$143,000 (Oct 2018)
Tax Bill	$968 (2025)
Deeds & Mortgages	Aug 2023 Mortgage Sep 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`04-123-030`

Property Details

APN / Parcel Number

Primary APN	`04-123-030`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,848 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	87,207 sqft (2 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	624 E SANDY RIDGE RD
City	MONROE
State	NC
Zip	28112-7314
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA-40 UNIO
Legal Description	#12 MAC FLOW HOMES OPCC401
Legal Subdivision	MAC FLOWE HOMES
Jurisdiction	UNION NC
Township / Civil Division	BUFORD
Census Block Group	3
Census Block	3025
Census Tract	20901

Owner

Source: Union County records, as of March 31, 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 Record
Mailing Address	624 E SANDY RIDGE RD, MONROE, NC 28112-7314
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 29, 2023	Deed of Trust, Mortgage · FHA Mortgage NATIONS LENDING CORP
Sep 30, 2022	Deed of Trust, Mortgage · FHA Mortgage NATIONS LENDING CORP
Jan 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage CTC MORTGAGE COMPANY LLC
Oct 29, 2018	Warranty Deed, Transfer · Conventional Mortgage UWHARRIE BANK
Jul 25, 2018	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 29, 2018 · Amount on Record
Deed Sale	Oct 29, 2018 · Amount on Record
Prior Sale	Jul 25, 2018 · Amount on Record
Deed Document Number	201830293
Deed Book / Page	7259 / 773
Record Updated	Jun 8, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	624 E SANDY RIDGE RD, MONROE, NC 28112-7314
Transaction Type	Mortgage
Record Updated	Sep 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008772106
Date	Aug 29, 2023
Book Page	8772/106
Instrument	21061

Lender

Name	NATIONS LENDING CORP
Type	Mortgage Company
Address	INDEPENDENCE, OH 44131

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	624 E SANDY RIDGE RD, MONROE, NC 28112-7314
Transaction Type	Mortgage
Record Updated	Oct 18, 2022
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008583361
Date	Sep 30, 2022
Book Page	8583/361
Instrument	34171

Lender

Name	NATIONS LENDING CORP
Type	Mortgage Company
Address	INDEPENDENCE, OH 44131

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	624 E SANDY RIDGE RD, MONROE, NC 28112-7314
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7944326
Date	Jan 6, 2021
Book Page	7944/326
Instrument	435

Lender

Name	CTC MORTGAGE COMPANY LLC
Type	Mortgage Company
Address	PALM BEACH GARDENS, FL 33418

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Oct 29, 2018
Property Address	624 E SANDY RIDGE RD, MONROE, NC 28112-7314
Document Number	0007259773
Book / Page	7259 / 773
Map Reference	CAB C FILE 401
Instrument Date	Oct 29, 2018
Instrument	0030293
Transaction Type	Transfer
Record Updated	Dec 14, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$286.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2510 DOSTER RD, 2510, MONROE, NC 28112-8649

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	624 E SANDY RIDGE RD, MONROE, NC 28112-7314

Mortgage

Document Number	0000030294
Date	Oct 29, 2018
Instrument	0030294

Lender

Name	UWHARRIE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

July 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	UNION NC
Recording Date	Jul 25, 2018
Property Address	624 E SANDY RIDGE RD, MONROE, NC 28112-7314
Document Number	7202850
Book / Page	007202 / 000850
Instrument Date	Apr 2, 2018
Instrument	20624
Transaction Type	Foreclosure
Record Updated	Aug 14, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$153.15
Amount Accuracy	Confirmed
Additional	Foreclosure Auction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2510 DOSTER RD MONROE NC 281128649, MONROE, NC 28112-8649

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
2025	$968.00 (+146.31%)	$202,600 (+220.57%) Land $62,900 Building $139,700	$202,600 (+220.57%) Land $62,900 Building $139,700
2023	$393.00	$63,200 Land $31,200 Building $32,000	$63,200 Land $31,200 Building $32,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 94% of the US · lower than 96% of North Carolina
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

May also be available: Verizon.

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