910 White Oaks Cir, Monroe, NC 28112 Property Records

Union County property record for 910 White Oaks Cir, Monroe, NC 28112

Property Summary

Property Type	Rural Home
Details	2 bd · 2 ba · 1,247 sqft · built 1965
Lot Size	0.551 acres (24,002 sqft)
Owner	2 Individual Names on File
Last Sale	$120,000 (Nov 2007)
Tax Bill	$1,223 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Apr 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-354-031`

Property Details

APN / Parcel Number

Primary APN	`09-354-031`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,247 sqft Living Area
1st Floor Area	1,247 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	24,002 sqft (0.551 acres)
Garage Type	Detached
Garage Area	1,020 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	600 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Water Source	Commercial

Location & Zoning

Street Address	910 WHITE OAKS CIR
City	MONROE
State	NC
Zip	28112-7019
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	RA-40 UNIO
Legal Description	24 WHITE OAKS
Legal Subdivision	WHITE OAKS TWNSHP 9
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	4
Census Block	4006
Census Tract	20501

Owner

910 White Oaks Cir, a rural home, is owned and occupied by two individuals who acquired it in May 2011.

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

Owner of Record	2 Individual Names on File
Mailing Address	910 WHITE OAKS CIR, MONROE, NC 28112-7019
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

Date	Document
Apr 14, 2020	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS
Apr 24, 2019	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
May 9, 2017	Deed of Trust, Mortgage · Line of Credit PARK STERLING BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 27, 2007 · Amount on File
Deed Sale	Nov 27, 2007 · Amount on File
Deed Document Number	200751295
Deed Book / Page	4746 / 824
Last Transfer Date	May 5, 2011
Transfer Doc	0005530808
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	910 WHITE OAKS CIR, MONROE, NC 28112-7019
Document Number	7641463
Instrument Date	Apr 14, 2020
Transaction Type	Mortgage
Record Updated	Jun 15, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	910 WHITE OAKS CIR MONROE NC 281127019, MONROE, NC 28112-7019

Mortgage

Document Number	7641463
Date	Apr 20, 2020
Book Page	007641/000463
Instrument	13070

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 19, 2050

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	910 WHITE OAKS CIR, MONROE, NC 28112-7019
Document Number	7358739
Instrument Date	Apr 24, 2019
Transaction Type	Mortgage
Record Updated	Jun 4, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	910 WHITE OAKS CIR MONROE NC 281127019, MONROE, NC 28112-7019

Mortgage

Document Number	7358739
Date	Apr 29, 2019
Book Page	007358/000739
Instrument	11155

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 28, 2049

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	910 WHITE OAKS CIR, MONROE, NC 28112-7019
Document Number	6940199
Book / Page	006940 / 000199
Instrument Date	May 9, 2017
Transaction Type	Mortgage
Record Updated	Jul 14, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	910 WHITE OAKS CIR MONROE NC 281127019, MONROE, NC 28112-7019

Mortgage

Document Number	6940199
Date	May 26, 2017
Book Page	006940/000199
Instrument	14746

Lender

Name	PARK STERLING BK
Type	Bank
Address	MONROE, NC 28110

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 910 White Oaks Cir was $1,223.

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		$299,000 (-) Land $65,400 Building $233,600	$299,000 (-) Land $65,400 Building $233,600
2025	$1,223.00	$299,000 Land $65,400 Building $233,600	$299,000 Land $65,400 Building $233,600
2023	$963.00	$196,900 Land $21,500 Building $175,400	$196,900 Land $21,500 Building $175,400

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

Flood

FEMA maps place 910 White Oaks Cir 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 910 White Oaks Cir is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 95% of North Carolina
Wildfire Likelihood	Under 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.

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 / 1,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on White Oaks Cir

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