Union County property record for 1013 Elm St, Monroe, NC 28112
| Property Type | Rural Home |
|---|---|
| Details | 2 bd · 1 ba · 1,066 sqft · built 1932 |
| Lot Size | 0.165 acres (7,187 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $251,000 (Mar 2024) |
| Tax Bill | $1,350 (2025) |
| Deeds & Mortgages | Mar 2024 Mortgage Mar 2024 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-194-066B |
| Primary APN | 09-194-066B |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,066 sqft Living Area |
| 1st Floor Area | 1,066 sqft |
| Year Built | Built 1932 |
|---|---|
| Effective Year Built | Effective 1932 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 7,187 sqft (0.165 acres) |
| Porch | Slab |
| Porch Area | 160 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1013 ELM ST |
|---|---|
| City | MONROE |
| State | NC |
| Zip | 28112-5021 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | R-10 MONRO |
| Legal Description | 8866-0792 |
| Legal Subdivision | LEE PARK |
| Jurisdiction | UNION NC |
| Township / Civil Division | MONROE |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 20602 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 150 CARI LN, MATTHEWS, NC 28104-7709 |
| Owner Type | Individual |
| Vesting | Unmarried Man |
| Date | Document |
|---|---|
| Mar 11, 2024 | Deed of Trust, Mortgage NORTH CAROLINA HOUSING FINANCE AGENCY |
| Mar 11, 2024 | Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Nov 1, 2023 | Warranty Deed, Transfer · Construction Mortgage LOAN MOUNTAIN INVESTMENTS SUB REIT LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 11, 2024 · Amount on Record |
| Deed Sale | Mar 11, 2024 · Amount on Record |
| Prior Sale | Nov 14, 2003 · Amount on Record |
| Deed Document Number | 20245256 |
| Deed Book / Page | 8866 / 792 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 1013 ELM ST, MONROE, NC 28112-5021 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2024 |
| Name | Verified Name |
|---|---|
| Address | 1013 ELM ST, MONROE, NC 28112-5021 |
| Document Number | 0000886713 |
|---|---|
| Date | Mar 11, 2024 |
| Book Page | 8867/13 |
| Instrument | 5279 |
| Name | NORTH CAROLINA HOUSING FINANCE AGENCY |
|---|---|
| Type | Government Agency |
| Address | RALEIGH, NC 27611 |
| Amount | Amount Recorded |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Mar 11, 2024 |
| Property Address | 1013 ELM ST, MONROE, NC 28112-5021 |
| Document Number | 0008866792 |
| Book / Page | 8866 / 792 |
| Instrument Date | Mar 11, 2024 |
| Instrument | 5256 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2024 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $502.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3101 LOVE MILL RD, MONROE, NC 28110-7438 |
| Name | Verified Name |
|---|---|
| Address | 150 CARI LN, MATTHEWS, NC 28104-7709 |
| Document Number | 0008866795 |
|---|---|
| Date | Mar 11, 2024 |
| Book Page | 8866/795 |
| Instrument | 5257 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | CARROLLTON, TX 75007 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Nov 1, 2023 |
| Property Address | 1013 ELM ST, MONROE, NC 28112-5021 |
| Document Number | 0008805760 |
| Book / Page | 8805 / 760 |
| Instrument Date | Oct 27, 2023 |
| Instrument | 26423 |
| Transaction Type | Transfer |
| Record Updated | Jan 9, 2024 |
| Amount | Amount Recorded |
|---|---|
| Tax | $100.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 408 W ROOSEVELT BLVD, MONROE, NC 28110-3538 |
| Name | Verified Name |
|---|---|
| Address | 1013 ELM ST, MONROE, NC 28112-5021 |
| Document Number | 0008805762 |
|---|---|
| Date | Nov 1, 2023 |
| Book Page | 8805/762 |
| Instrument | 26424 |
| Name | LOAN MOUNTAIN INVESTMENTS SUB REIT LLC |
|---|---|
| Address | CHARLOTTE, NC 28202 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 6 Months |
| Due | May 1, 2024 |
Source: Union County assessment roll, as of March 31, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Union County |
| Municipality | Monroe City |
| Unified School District | Union County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $154,500 (-) Land $51,400 Building $103,100 | $154,500 (-) Land $51,400 Building $103,100 | |
| 2025 | $1,350.00 (+21.08%) | $154,500 (+51.03%) Land $51,400 Building $103,100 | $154,500 (+51.03%) Land $51,400 Building $103,100 |
| 2023 | $1,115.00 | $102,300 Land $11,600 Building $90,700 | $102,300 Land $11,600 Building $90,700 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective September 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 153 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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