714 Cindy Dr, Monroe, NC 28112 Property Records

Union County property record for 714 Cindy Dr, Monroe, NC 28112

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,404 sqft · built 1962
Lot Size	0.811 acres (35,327 sqft)
Owner	2 Individual Names on Record
Last Sale	$173,500 (Dec 2018)
Tax Bill	$1,271 (2025)
Deeds & Mortgages	Mar 2023 Line of Credit Jun 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09-125-104`

Property Details

APN / Parcel Number

Primary APN	`09-125-104`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,404 sqft Living Area
Gross Area	1,841 sqft
1st Floor Area	1,404 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	35,327 sqft (0.811 acres)
Garage Type	Attached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	160 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	714 CINDY DR
City	MONROE
State	NC
Zip	28112-9108
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	RA-20 UNIO
Legal Description	#68 WORTHWOOD PB04 PG106
Legal Subdivision	WORTHWOOD
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	2
Census Block	2014
Census Tract	20702

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	2 Individual Names on Record
Mailing Address	714 CINDY DR, MONROE, NC 28112-9108
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 13, 2023	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Jun 23, 2021	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Dec 3, 2018	Warranty Deed, Transfer · FHA Mortgage AMERIS BK
Aug 24, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 3, 2018 · Amount on Record
Deed Sale	Dec 3, 2018 · Amount on Record
Prior Sale	Aug 24, 2018 · Amount on Record
Deed Document Number	201833277
Deed Book / Page	7278 / 51
Prior Transfer Date	Dec 29, 2004
Prior Transfer Doc	3661773
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	714 CINDY DR, MONROE, NC 28112-9108
Transaction Type	Mortgage
Record Updated	May 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008669748
Date	Mar 13, 2023
Book Page	8669/748
Instrument	5570

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	181 Months
Due	Apr 3, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	714 CINDY DR, MONROE, NC 28112-9108
Transaction Type	Mortgage
Record Updated	Aug 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008145768
Date	Jun 23, 2021
Book Page	8145/768
Instrument	29651

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Dec 3, 2018
Property Address	714 CINDY DR, MONROE, NC 28112-9108
Document Number	727851
Book / Page	007278 / 000051
Instrument Date	Nov 26, 2018
Instrument	33277
Transaction Type	Transfer
Record Updated	Jan 2, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$347.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	714 CINDY DR MONROE NC 281129108, MONROE, NC 28112-9108

Mortgage

Document Number	727853
Date	Dec 3, 2018
Book Page	007278/000053
Instrument	33278

Lender

Name	AMERIS BK
Type	Bank
Address	MARIETTA, CA 30067

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 2, 2048

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Aug 24, 2018
Property Address	714 CINDY DR, MONROE, NC 28112-9108
Document Number	7222828
Book / Page	007222 / 000828
Instrument Date	Aug 22, 2018
Instrument	24125
Transaction Type	Transfer
Record Updated	Sep 26, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$256.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	714 CINDY DR MONROE NC 281129108, MONROE, NC 28112-9108

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		$251,300 (-) Land $55,100 Building $196,200	$251,300 (-) Land $55,100 Building $196,200
2025	$1,271.00 (-4.22%)	$251,300 (+24.04%) Land $55,100 Building $196,200	$251,300 (+24.04%) Land $55,100 Building $196,200
2023	$1,327.00	$202,600 Land $26,000 Building $176,600	$202,600 Land $26,000 Building $176,600

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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.

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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 55 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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