107 W Houston St, Monroe, NC 28112 Property Records

Union County property record for 107 W Houston St, Monroe, NC 28112

Property Summary

Property Type	Rural Home
Details	3 bd · 1 ba · 1,912 sqft · built 1930
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on File
Last Sale	$231,000 (Jun 2020)
Tax Bill	$2,742 (2025)
Deeds & Mortgages	Mar 2026 Transfer Jun 2020 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09-235-046A`

Property Details

APN / Parcel Number

Primary APN	`09-235-046A`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,912 sqft Living Area
1st Floor Area	1,912 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	11,326 sqft (0.26 acres)
Porch	Slab
Porch Area	554 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	107 W HOUSTON ST
City	MONROE
State	NC
Zip	28112-5514
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R-10 MONRO
Legal Description	0.26A 7711-203
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

107 W Houston St, a rural home, is owned and occupied by two individuals who bought it in June 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	107 W HOUSTON ST, MONROE, NC 28112-5514
Occupancy	Owner Occupied
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
Mar 18, 2026	Intrafamily Transfer, Transfer
Jun 23, 2020	Warranty Deed, Transfer BARRISTERS TITLE
Oct 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage SEMPER HM LOANS
Aug 30, 2017	Warranty Deed, Transfer · Conventional Mortgage PRIMARY RESIDENTIAL MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 23, 2020 · Amount on File
Deed Sale	Jun 23, 2020 · Amount on File
Prior Sale	Aug 30, 2017 · Amount on File
Deed Document Number	202022600
Deed Book / Page	7711 / 203
Record Updated	Oct 29, 2026

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	UNION NC
Recording Date	Mar 18, 2026
Property Address	107 W HOUSTON ST, MONROE, NC 28112-5514
Document Number	0000932852
Book / Page	9328 / 52
Instrument Date	Mar 17, 2026
Instrument	7008
Transaction Type	Transfer
Record Updated	Apr 2, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	107 W HOUSTON ST, MONROE, NC 28112-5514

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Jun 23, 2020
Property Address	107 W HOUSTON ST, MONROE, NC 28112-5514
Document Number	7711203
Book / Page	007711 / 000203
Instrument Date	Jun 23, 2020
Instrument	22601
Transaction Type	Transfer
Record Updated	Aug 11, 2020
Title Company	BARRISTERS TITLE

Transaction

Amount	Amount on Record
Tax	$462.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	107 W HOUSTON ST MONROE NC 281125514, MONROE, NC 28112-5514

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	107 W HOUSTON ST, MONROE, NC 28112-5514
Document Number	7496705
Instrument Date	Oct 18, 2019
Transaction Type	Mortgage
Record Updated	Nov 7, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	107 W HOUSTON ST MONROE NC 281125514, MONROE, NC 28112-5514

Mortgage

Document Number	7496705
Date	Oct 23, 2019
Book Page	007496/000705
Instrument	32622

Lender

Name	SEMPER HM LOANS
Type	Funding / Finance Company
Address	PROVIDENCE, RI 02907

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 22, 2049

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Aug 30, 2017
Property Address	107 W HOUSTON ST, MONROE, NC 28112-5514
Document Number	0007005531
Book / Page	7005 / 531
Instrument Date	Aug 21, 2017
Instrument	0025510
Transaction Type	Transfer
Record Updated	Dec 14, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$360.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9097 LOAFERS GLORY TRL, 9097, LINCOLNTON, NC 28092-6326

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 W HOUSTON ST, MONROE, NC 28112-5514

Mortgage

Document Number	0000025511
Date	Aug 30, 2017
Instrument	0025511

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 107 W Houston St was $2,742.

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		$313,700 (-) Land $49,400 Building $264,300	$313,700 (-) Land $49,400 Building $264,300
2025	$2,742.00	$313,700 Land $49,400 Building $264,300	$313,700 Land $49,400 Building $264,300
2023	$2,101.00	$192,700 Land $12,400 Building $180,300	$192,700 Land $12,400 Building $180,300

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

Flood

FEMA maps place 107 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 107 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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