105 W Houston St, Monroe, NC 28112 Property Records

Union County property record for 105 W Houston St, Monroe, NC 28112

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,954 sqft · built 1910
Lot Size	0.116 acres (5,053 sqft)
Owner	Individual Name on File
Last Sale	$43,500 (Feb 2006)
Tax Bill	$3,060 (2025)
Deeds & Mortgages	Jan 2020 Loan Modification Feb 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`09-235-041`

Property Details

APN / Parcel Number

Primary APN	`09-235-041`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Units	2 Units
Stories	1 Story
Building Area	2,954 sqft Total Area
1st Floor Area	1,923 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	5,053 sqft (0.116 acres)
Porch	Slab
Porch Area	368 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	105 W HOUSTON ST
City	MONROE
State	NC
Zip	28112-5514
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R-10 MONRO
Legal Description	105 W HOUSTON ST
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	2
Census Block	2099
Census Tract	20501

Historic Designation

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

Historic District	Within the Monroe Residential Historic District listed 1988 · 381 contributing resources · NRIS 87002204

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

Owner

105 W Houston St, a duplex, is owned by an individual who bought it in February 2006.

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

Owner of Record	Individual Name on File
Mailing Address	8405 LANDSFORD RD, MONROE, NC 28112-8242
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
Jan 27, 2020	Loan Modification, Mortgage KATHRYN MILLS
Feb 3, 2017	Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 14, 2006 · Amount on File
Deed Sale	Feb 14, 2006 · Amount on File
Deed Document Number	20066290
Deed Book / Page	4067 / 787
Record Updated	Oct 29, 2026

January 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	UNION NC
Property Address	105 W HOUSTON ST, MONROE, NC 28112-5514
Document Number	760710
Instrument Date	Jan 27, 2020
Transaction Type	Mortgage
Record Updated	May 22, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 W HOUSTON ST MONROE NC 281125514, MONROE, NC 28112-5514

Mortgage

Document Number	760710
Date	Mar 11, 2020
Book Page	007607/000010
Instrument	8195

Lender

Name	KATHRYN MILLS
Address	1624 WITMORE RD, WINGATE, NC 28174-6772

Agreement

Term	12 Months
Due	Mar 10, 2021

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	105 W HOUSTON ST, MONROE, NC 28112-5514
Document Number	68722
Book / Page	006872 / 000002
Instrument Date	Feb 3, 2017
Transaction Type	Mortgage
Record Updated	May 9, 2017

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 W HOUSTON ST MONROE NC 281125514, MONROE, NC 28112-5514

Mortgage

Document Number	68722
Date	Feb 6, 2017
Book Page	006872/000002
Instrument	3317

Lender

Name	BRANCH BK&TR
Type	Bank
Address	MONROE, NC 28112-4836

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 105 W Houston St was $3,060.

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		$350,100 (-) Land $47,700 Building $302,400	$350,100 (-) Land $47,700 Building $302,400
2025	$3,060.00	$350,100 Land $47,700 Building $302,400	$350,100 Land $47,700 Building $302,400
2023	$2,256.00	$206,900 Land $11,200 Building $195,700	$206,900 Land $11,200 Building $195,700

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

Flood

FEMA maps place 105 W Houston St 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 105 W Houston St is low, with 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 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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