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815 Circle Trace Rd, Monroe, NC 28110 Property Records

Union County property record for 815 Circle Trace Rd, Monroe, NC 28110 · Last verified April 2026

Property Highlights

Property TypeResidential > Single Family > Rural Home
Bedrooms5 Beds
Bathrooms3.5 Baths
Year BuiltBuilt 2004
Square Footage3,103 sqft Living Area
Lot Size15,987 sqft (0.367 acres)
OccupancyOwner Occupied
Last Sale$659,000 (2023)
Tax Bill$3,126.00 (2025)

Property Details

APN / Parcel Number

Primary APN06-006-175

Interior

Bedrooms5 Beds
Full Baths3.5 Baths
Partial Baths1 Partial Baths
Total Rooms7 Rooms
Building Area3,103 sqft Living Area
Gross Area3,834 sqft Gross Area
Stories2 Stories
FireplaceFireplace
Fireplaces1 Fireplaces

Exterior

Year BuiltBuilt 2004
Effective Year BuiltEffective 2004
Architectural StyleConventional Style
Construction TypeWood Construction
Roof ConstructionGable Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area15,987 sqft (0.367 acres)
Parking Spaces3 Parking Spaces
Garage TypeAttached Garage
Garage Area731 sqft Garage

Utilities and HVAC

Cooling SystemCentral Cooling
Heating SystemForced Air with Air Conditioning Heating
Heating FuelGas Heating Fuel

Location & Zoning

Street Address815 CIRCLE TRACE RD
CityMONROE
StateNC
Zip28110-7677
Property UsageResidential Property Usage
TypeResidential > Single Family > Rural Home
Legal Description#86 POTTERS TRACE PH2 MP2 OPCH13
Legal SubdivisionPOTTERS TRACE
Legal Lot Number86
JurisdictionUNION NC
Minor Civil DivisionSANDY RIDGE
Census Blockgroup2
Census Block2016
Census Tract20308

Owner

Source: Union County records · APN 06-006-175

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 Record2 Individual Names on File
Mailing Address815 CIRCLE TRACE RD, MONROE, NC 28110-7677
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Oct 09, 2025Deed of Trust, Mortgage · Conventional Mortgage
SUN WEST MORTGAGE COMPANY INC
Aug 03, 2023Warranty Deed, Transfer · Conventional Mortgage
REAL GENIUS LLC
Dec 01, 2022Deed of Trust, Mortgage · Line of Credit
BANK OF AMERICA NA
Oct 07, 2021Deed of Trust, Mortgage · Conventional Mortgage
ROCKET MORTGAGE LLC
Jul 18, 2019Deed of Trust, Mortgage · Conventional Mortgage with Private Mortgage Insurance (PMI)
QUICKEN LNS

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleAug 03, 2023 · Amount on Record
Deed SaleAug 03, 2023 · Amount on Record
Prior SaleMar 08, 2011 · Amount on Record
Deed Doc Number202318691
Deed Book / Page8756 / 705
Last Transfer DateAug 25, 2025
Transfer Doc0009190475
Record RefreshedJun 08, 2026

October 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionUNION NC
Property Address815 CIRCLE TRACE RD, MONROE, NC 28110-7677
Transaction TypeMortgage
Record UpdatedOct 24, 2025
Title CompanyUNKNOWN, SILK TITLE AND ESCROW FT

Transferred To (Grantee/Buyer)

NameVerified Name
Address815 CIRCLE TRACE RD, MONROE, NC 28110-7677

Mortgage

Document Number0009218199
DateOct 09, 2025
Book Page9218/199
Instrument26351
Lender
NameSUN WEST MORTGAGE COMPANY INC
TypeMortgage Company
AddressCERRITOS, CA 90703
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueNov 01, 2040

August 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionUNION NC
Recording DateAug 03, 2023
Property Address815 CIRCLE TRACE RD, MONROE, NC 28110-7677
Document Number0008756705
Book / Page8756 / 705
Map ReferenceCAB H FILE 13
Instrument DateJul 19, 2023
Instrument18691
Transaction TypeTransfer
Record UpdatedAug 21, 2023
Title CompanyE-CHICAGO TITLE, CHICAGO TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,318.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address67 SANDBAR LN # 101, 101, HARDEEVILLE, SC 29927-5082

Transferred To (Grantee/Buyer)

NameVerified Name
Address815 CIRCLE TRACE RD, MONROE, NC 28110-7677

Mortgage

Document Number0000018692
DateAug 03, 2023
Instrument18692
Lender
NameREAL GENIUS LLC
TypeNon-Lending Institution
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 01, 2053

December 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionUNION NC
Property Address815 CIRCLE TRACE RD, MONROE, NC 28110-7677
Transaction TypeMortgage
Record UpdatedDec 16, 2022
Title CompanyTITLE365

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0008617895
DateDec 01, 2022
Book Page8617/895
Instrument39669
Lender
NameBANK OF AMERICA NA
TypeBank
AddressCHARLOTTE, NC 28255
Agreement
TypeLine of Credit
AmountAmount Recorded
Term359 Months
DueNov 19, 2052
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly (Revolving credit lines are monthly unless stated otherwise).

October 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionUNION NC
Property Address815 CIRCLE TRACE RD, MONROE, NC 28110-7677
Transaction TypeMortgage
Record UpdatedOct 22, 2021
Title CompanyAMROCK INC, AMROCK

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number8271137
DateOct 07, 2021
Book Page8271/137
Instrument47844
Lender
NameROCKET MORTGAGE LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueNov 01, 2036

July 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionUNION NC
Property Address815 CIRCLE TRACE RD, MONROE, NC 28110-7677
Document Number742067
Instrument DateJul 18, 2019
Transaction TypeMortgage
Record UpdatedAug 26, 2019
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address815 CIRCLE TRACE RD MONROE NC 281107677, MONROE, NC 28110-7677

Mortgage

Document Number742067
DateJul 22, 2019
Book Page007420/000067
Instrument20868
Lender
NameQUICKEN LNS
TypeFunding / Finance Company
AddressDETROIT, MI 48226-1906
Agreement
TypeConventional Mortgage with Private Mortgage Insurance (PMI)
AmountAmount Recorded
Term360 Months
DueJul 21, 2049

Tax Assessment & Valuation

Source: Union County records · Assessment roll updated March 31, 2026 · Last verified April 2026

Property Jurisdictions

TypeName
StateNorth Carolina
CountyUnion County
MunicipalityWesley Chapel Village
Unified School DistrictUnion County Public Schools (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$3,126.00 (+52.12%)$641,800 (+99.32%) Land $102,000 Building $539,800$641,800 (+99.32%) Land $102,000 Building $539,800
2023$2,055.00$322,000 (-) Land $56,600 Building $265,400$322,000 (-) Land $56,600 Building $265,400
2022$2,055.00$322,000 Land $56,600 Building $265,400$322,000 Land $56,600 Building $265,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Union County (37179C), updated September 14, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft

Wildfire

Wildfire RiskLow
above 20% of the US · above 24% of North Carolina
Wildfire LikelihoodAbout 1 in 10,000 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Values are read at the parcel center point; lenders make the official flood determination.

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