100 S Main St, Monroe, NC 28112 Property Records

Union County property record for 100 S Main St, Monroe, NC 28112

Property Summary

Property Type	Commercial
Details	3,500 sqft · built 1930
Lot Size	0.268 acres (11,674 sqft)
Owner	Company Name on Record
Last Sale	$130,000 (Jan 1999)
Tax Bill	$4,253 (2025)
Deeds & Mortgages	May 2023 Mortgage Apr 2020 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-232-086`

Property Details

APN / Parcel Number

Primary APN	`09-232-086`

Interior

Stories	2 Stories
Building Area	3,500 sqft Total Area

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Fire Resistance	Masonry Walls, Wood Interior
Roof Material	Asphalt
Lot Area	11,674 sqft (0.268 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	100 S MAIN ST
City	MONROE
State	NC
Zip	28112-5541
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	CBD MONROE
Legal Description	TRACT 1 OPCR273
Legal Subdivision	MINOR SUBDIVISION
Legal Tract	1
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	2
Census Block	2056
Census Tract	20501

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Monroe Downtown Historic District listed 1988 · 26 contributing resources · NRIS 87002202

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	Company Name on Record
Mailing Address	PO BOX 783, MONROE, NC 28111-0783
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
May 12, 2023	Deed of Trust, Mortgage · Commercial Mortgage AMERICAN BANK OF THE CAROLINAS
Apr 7, 2020	Warranty Deed, Transfer ATTORNEY ONLY
Oct 12, 2018	Trustee's Deed, Transfer · Line of Credit FIRST NAT'L BK/PA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 12, 1999 · Amount on Record
Deed Sale	Jan 12, 1999 · Amount on Record
Deed Document Number	199972049
Deed Book / Page	1193 / 326
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	100 S MAIN ST, MONROE, NC 28112-5541
Transaction Type	Mortgage
Record Updated	May 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	804 W FRANKLIN ST, MONROE, NC 28112-4616

Mortgage

Document Number	0008706732
Date	May 12, 2023
Book Page	8706/732
Instrument	11173

Lender

Name	AMERICAN BANK OF THE CAROLINAS
Type	Bank
Address	MONROE, NC 28112

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Apr 7, 2020
Property Address	100 S MAIN ST, MONROE, NC 28112-5541
Document Number	7630637
Book / Page	007630 / 000637
Instrument Date	Feb 17, 2020
Instrument	11571
Transaction Type	Transfer
Record Updated	Jun 12, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 783 MONROE NC 281110783, MONROE, NC 28111-0783

October 2018: Trustee's Deed, Transfer

Document Type	Trustee's Deed
Jurisdiction	UNION NC
Recording Date	Oct 12, 2018
Property Address	100 S MAIN ST, MONROE, NC 28112-5541
Document Number	7251569
Book / Page	007251 / 000569
Instrument Date	Oct 11, 2018
Instrument	28875
Transaction Type	Transfer
Record Updated	Nov 19, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$690.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 783 MONROE NC 281110783, MONROE, NC 28111-0783

Mortgage

Document Number	7251571
Date	Oct 12, 2018
Book Page	007251/000571
Instrument	28876

Lender

Name	FIRST NAT'L BK/PA
Type	Bank
Address	5925 CARNEGIE BLVD # 100, CHARLOTTE, NC 28209-4656

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Union County assessment roll, as of March 31, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Union County
Municipality	Monroe City
Unified School District	Union County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$411,300 (-) Land $160,400 Building $250,900	$411,300 (-) Land $160,400 Building $250,900
2025	$4,253.00 (-12.33%)	$411,300 (+8.98%) Land $160,400 Building $250,900	$411,300 (+8.98%) Land $160,400 Building $250,900
2023	$4,851.00	$377,400 Land $155,000 Building $222,400	$377,400 Land $155,000 Building $222,400

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	None beyond ember reach

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	CITY OF MONROE serves 43,081 people · EPA ID NC0190010
Water Source	Surface water
Last State Inspection	Nov 2025
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Aug 2025
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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 212 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
Verizon Fixed Wireless	300 / 20

May also be available: Frontier, T-Mobile.

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