918 White Oaks Cir, Monroe, NC 28112 Property Records

Union County property record for 918 White Oaks Cir, Monroe, NC 28112

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,559 sqft · built 1969
Lot Size	1.17 acres (51,183 sqft)
Owner	2 Individual Names on Record
Last Sale	$381,000 (Apr 2021)
Tax Bill	$1,985 (2025)
Deeds & Mortgages	Apr 2021 Sale Apr 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-354-028`

Property Details

APN / Parcel Number

Primary APN	`09-354-028`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,559 sqft Living Area
1st Floor Area	1,559 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	51,183 sqft (1.17 acres)
Garage Type	Detached
Garage Area	1,080 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	532 sqft
Deck Area	192 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	918 WHITE OAKS CIR
City	MONROE
State	NC
Zip	28112-7019
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA-40 UNIO
Legal Description	21-22 WHITE OAKS PB5 PG99
Legal Subdivision	WHITE OAKS TWNSHP 9
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	4
Census Block	4006
Census Tract	20501

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	918 WHITE OAKS CIR, MONROE, NC 28112-7019
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2021	Warranty Deed, Transfer
Apr 15, 2021	Warranty Deed, Transfer · VA Mortgage CORNERSTONE HOME LENDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 15, 2021 · Amount on Record
Deed Sale	Apr 15, 2021 · Amount on Record
Prior Sale	Jul 10, 2013 · Amount on Record
Deed Document Number	202117704
Deed Book / Page	8065 / 387
Record Updated	Oct 29, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Apr 15, 2021
Property Address	918 WHITE OAKS CIR, MONROE, NC 28112-7019
Document Number	0008065385
Book / Page	8065 / 385
Map Reference	MB 5 PG 99
Instrument Date	Apr 6, 2021
Instrument	17703
Transaction Type	Transfer
Record Updated	Dec 14, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	918 WHITE OAKS CIR, MONROE, NC 28112-7019

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Apr 15, 2021
Property Address	918 WHITE OAKS CIR, MONROE, NC 28112-7019
Document Number	0008065387
Book / Page	8065 / 387
Map Reference	MB 5 PG 99
Instrument Date	Apr 6, 2021
Instrument	17704
Transaction Type	Transfer
Record Updated	Dec 14, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$762.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	918 WHITE OAKS CIR, MONROE, NC 28112-7019

Mortgage

Document Number	0000017705
Date	Apr 15, 2021
Instrument	17705

Lender

Name	CORNERSTONE HOME LENDING INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

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		$412,200 (-) Land $91,900 Building $320,300	$412,200 (-) Land $91,900 Building $320,300
2025	$1,985.00 (+6.84%)	$412,200 (+40.73%) Land $91,900 Building $320,300	$412,200 (+40.73%) Land $91,900 Building $320,300
2023	$1,858.00	$292,900 Land $28,000 Building $264,900	$292,900 Land $28,000 Building $264,900

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

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 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	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 and 4G LTE (outdoors only)

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