109 Avon St, Monroe, NC 28110 Property Records

Union County property record for 109 Avon St, Monroe, NC 28110

Property Summary

Property Type	Rural Home
Details	2 bd · 1 ba · 1,010 sqft · built 1964
Lot Size	0.379 acres (16,509 sqft)
Owner	Individual Name on File
Last Sale	$117,500 (Feb 2022)
Tax Bill	$641 (2025)
Deeds & Mortgages	Nov 2025 Second Mortgage Feb 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-229-002`

Property Details

APN / Parcel Number

Primary APN	`09-229-002`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,010 sqft Living Area
1st Floor Area	1,010 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	16,509 sqft (0.379 acres)
Garage Type	Mixed
Garage Area	300 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	108 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	109 AVON ST
City	MONROE
State	NC
Zip	28110-3013
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	OT MONROE
Legal Description	#38 UNION MILLS PB3-PG125
Legal Subdivision	MONROE MILLS 3-125
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	1
Census Block	1017
Census Tract	20406

Owner

109 Avon St, a rural home, is owned and occupied by an individual who bought it in February 2022.

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

Owner of Record	Individual Name on File
Mailing Address	109 AVON ST, MONROE, NC 28110-3013
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
Nov 24, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage CARDINAL FINANCIAL COMPANY LP
Feb 1, 2022	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
May 21, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 1, 2022 · Amount on File
Deed Sale	Feb 1, 2022 · Amount on File
Deed Document Number	20223984
Deed Book / Page	8388 / 370
Prior Transfer Date	May 21, 2018
Prior Transfer Doc	7160129
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	109 AVON ST, MONROE, NC 28110-3013
Transaction Type	Mortgage
Record Updated	Dec 12, 2025
Title Company	SECURITY SETTLEMENT SERVICES INC, EQUITY SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0009252522
Date	Nov 24, 2025
Book Page	9252/522
Instrument	31137

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28277

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Feb 1, 2022
Property Address	109 AVON ST, MONROE, NC 28110-3013
Document Number	0008388370
Book / Page	8388 / 370
Map Reference	MB 3 PG 125
Instrument Date	Jan 31, 2022
Instrument	3984
Transaction Type	Transfer
Record Updated	Feb 16, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$235.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 AVON ST, MONROE, NC 28110-3013

Mortgage

Document Number	0000003985
Date	Feb 1, 2022
Instrument	3985

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2052

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	UNION NC
Recording Date	May 21, 2018
Property Address	109 AVON ST, MONROE, NC 28110-3013
Document Number	7160129
Book / Page	007160 / 000129
Instrument Date	May 21, 2018
Instrument	13661
Transaction Type	Transfer
Record Updated	Jun 13, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	109 AVON ST MONROE NC 281103013, MONROE, NC 28110-3013

Tax Assessment & Valuation

The 2025 property tax bill for 109 Avon St was $641.

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		$73,400 (-) Land $56,900 Building $16,500	$73,400 (-) Land $56,900 Building $16,500
2025	$641.00	$73,400 Land $56,900 Building $16,500	$73,400 Land $56,900 Building $16,500
2023	$1,601.00	$146,900 Land $56,900 Building $90,000	$146,900 Land $56,900 Building $90,000

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

Flood

FEMA maps place 109 Avon 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 109 Avon 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 76 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Frontier.

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