110 W Phifer St, Monroe, NC 28110 Property Records

Union County property record for 110 W Phifer St, Monroe, NC 28110

Property Summary

Property Type	Rural Home
Details	3 bd · 1 ba · 1,656 sqft · built 1920
Lot Size	0.405 acres (17,642 sqft)
Owner	Individual Name on Record
Last Sale	$50,000 (Feb 2021)
Tax Bill	$2,205 (2025)
Deeds & Mortgages	Feb 2021 Sale & Mortgage Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-226-137`

Property Details

APN / Parcel Number

Primary APN	`09-226-137`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,656 sqft Living Area
Gross Area	1,736 sqft
1st Floor Area	1,178 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	17,642 sqft (0.405 acres)
Porch	Slab
Porch Area	238 sqft
Shed	1 Shed

Location & Zoning

Street Address	110 W PHIFER ST
City	MONROE
State	NC
Zip	28110-2955
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R-10 MONRO
Legal Description	#4A OPCP494
Legal Subdivision	ELLEN FITZGERALD PROPERTY
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	1
Census Block	1019
Census Tract	20406

Owner

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	110 W PHIFER ST, MONROE, NC 28110-2955
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2021	Warranty Deed, Transfer · Conventional Mortgage INTERCOASTAL MORTGAGE
Dec 18, 2020	Warranty Deed, Transfer · Conventional Mortgage BROKER SOLUTIONS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 2, 2021 · Amount on Record
Deed Sale	Feb 2, 2021 · Amount on Record
Prior Sale	Dec 18, 2020 · Amount on Record
Deed Document Number	20214866
Deed Book / Page	7975 / 35
Record Updated	Oct 29, 2026

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Feb 2, 2021
Property Address	110 W PHIFER ST, MONROE, NC 28110-2955
Document Number	0000797535
Book / Page	7975 / 35
Map Reference	CAB P FILE 494
Instrument Date	Feb 2, 2021
Instrument	4866
Transaction Type	Transfer
Record Updated	Aug 24, 2022

Transaction

Amount	Amount Recorded
Tax	$100.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10505 PACES AVE APT 1625, 1625, MATTHEWS, NC 28105-3047

Mortgage

Document Number	0000004867
Date	Feb 2, 2021
Instrument	4867

Lender

Name	INTERCOASTAL MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	13 Months
Due	Mar 1, 2022

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Dec 18, 2020
Property Address	110 W PHIFER ST, MONROE, NC 28110-2955
Document Number	0007926464
Book / Page	7926 / 464
Map Reference	CAB P FILE 494
Instrument Date	Dec 18, 2020
Instrument	52931
Transaction Type	Transfer
Record Updated	Aug 24, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$430.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	110 W PHIFER ST, MONROE, NC 28110-2955

Mortgage

Document Number	0000052932
Date	Dec 18, 2020
Instrument	52932

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

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		$252,300 (-) Land $33,300 Building $219,000	$252,300 (-) Land $33,300 Building $219,000
2025	$2,205.00 (+66.92%)	$252,300 (+108.17%) Land $33,300 Building $219,000	$252,300 (+108.17%) Land $33,300 Building $219,000
2023	$1,321.00	$121,200 Land $18,600 Building $102,600	$121,200 Land $18,600 Building $102,600

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

Flood

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

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	Direct burnable vegetation

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 297 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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