Union County property record for 109 W Houston St, Monroe, NC 28112
| Property Type | Rural Home |
|---|---|
| Details | 4 bd · 2 ba · 3,566 sqft · built 1909 |
| Lot Size | 0.272 acres (11,848 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,924 (2025) |
| Deeds & Mortgages | Nov 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-235-046 |
| Primary APN | 09-235-046 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 3,566 sqft Living Area |
| 1st Floor Area | 1,763 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1909 |
|---|---|
| Effective Year Built | Effective 1909 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 11,848 sqft (0.272 acres) |
| Garage Type | Detached |
| Garage Area | 960 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
| Porch Area | 890 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 109 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 | 109 W HOUSTON ST |
| Legal Subdivision | 2939930 |
| Jurisdiction | UNION NC |
| Township / Civil Division | MONROE |
| Census Block Group | 2 |
| Census Block | 2099 |
| Census Tract | 20501 |
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.
109 W Houston St, a rural home, is owned and occupied by an individual.
Source: Union County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 109 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.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 109 W HOUSTON ST, MONROE, NC 28112-5514 |
| Transaction Type | Mortgage |
| Record Updated | Nov 29, 2022 |
| Title Company | CLEAREDGE TITLE INC |
| Name | Verified Name |
|---|
| Document Number | 0008605605 |
|---|---|
| Date | Nov 9, 2022 |
| Book Page | 8605/605 |
| Instrument | 37780 |
| Name | UNLOCK PARTNERSHIP SOLUTIONS INC |
|---|---|
| Type | Non-Lending Institution |
| Address | NEW YORK, NY 10016 |
| Amount | Amount on Record |
|---|
The 2025 property tax bill for 109 W Houston St was $3,924.
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 | $448,900 (-) Land $49,600 Building $399,300 | $448,900 (-) Land $49,600 Building $399,300 | |
| 2025 | $3,924.00 | $448,900 Land $49,600 Building $399,300 | $448,900 Land $49,600 Building $399,300 |
| 2023 | $2,779.00 | $254,900 Land $12,500 Building $242,400 | $254,900 Land $12,500 Building $242,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 109 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 risk around 109 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.
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 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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures