101 S Main St, Monroe, NC 28112 Property Records

Union County property record for 101 S Main St, Monroe, NC 28112

Property Summary

Property Type	Office Building
Details	2,844 sqft · built 1936
Lot Size	0.072 acres (3,136 sqft)
Owner	Company Name on Record
Last Sale	$325,000 (Nov 2023)
Tax Bill	$6,092 (2025)
Deeds & Mortgages	Nov 2023 Sale & Mortgage May 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-232-064A`

Property Details

APN / Parcel Number

Primary APN	`09-232-064A`

Interior

Stories	1 Story
Building Area	2,844 sqft Total Area
Basement Area	2,844 sqft
Unfinished Basement	2,844 sqft

Exterior

Year Built	Built 1936
Effective Year Built	Effective 1936
Fire Resistance	Masonry Walls, Wood Interior
Roof Material	Asphalt
Lot Area	3,136 sqft (0.072 acres)

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	101 S MAIN ST
City	MONROE
State	NC
Zip	28112-5542
Property Category	Commercial
Property Type	Commercial > Office > Office Building
Local Zoning Code	CBD MONROE
Legal Description	0.072A PB2 PG128
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	2
Census Block	2057
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 481, MONROE, NC 28111-0481
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2023	Special Warranty Deed, Transfer · Commercial Mortgage AMERICAN BANK OF THE CAROLINAS
May 12, 2023	Deed of Trust, Mortgage · Commercial Mortgage AMERICAN BANK OF THE CAROLINAS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 22, 2023 · Amount on Record
Deed Sale	Nov 22, 2023 · Amount on Record
Prior Sale	Dec 7, 2007 · Amount on Record
Deed Document Number	202328226
Deed Book / Page	8817 / 139
Record Updated	Oct 29, 2026

November 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	UNION NC
Recording Date	Nov 22, 2023
Property Address	101 S MAIN ST, MONROE, NC 28112-5542
Document Number	0008817139
Book / Page	8817 / 139
Instrument Date	Nov 22, 2023
Instrument	28226
Transaction Type	Transfer
Record Updated	Dec 8, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$650.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 732, MINERAL SPRINGS, NC 28108-0732

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 481, MONROE, NC 28111-0481

Mortgage

Document Number	0008817142
Date	Nov 22, 2023
Book Page	8817/142
Instrument	28227

Lender

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

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	101 S MAIN ST, MONROE, NC 28112-5542
Transaction Type	Mortgage
Record Updated	Nov 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

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

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		$639,000 (+8.47%) Land $47,900 Building $591,100	$639,000 (+8.47%) Land $47,900 Building $591,100
2025	$6,092.00 (+112.86%)	$589,100 (+164.53%) Land $47,900 Building $541,200	$589,100 (+164.53%) Land $47,900 Building $541,200
2023	$2,862.00	$222,700 Land $36,000 Building $186,700	$222,700 Land $36,000 Building $186,700

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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