1102 Helen St, Monroe, NC 28112 Property Records

Union County property record for 1102 Helen St, Monroe, NC 28112

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,738 sqft · built 1953
Lot Size	0.343 acres (14,941 sqft)
Owner	Individual Name on Record
Tax Bill	$2,380 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Aug 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-279-004`

Property Details

APN / Parcel Number

Primary APN	`09-279-004`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,738 sqft Living Area
Gross Area	1,744 sqft
1st Floor Area	1,738 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,941 sqft (0.343 acres)

Exterior Amenities

Porch	Slab
Porch Area	343 sqft
Deck Area	384 sqft
Patio Area	384 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1102 HELEN ST
City	MONROE
State	NC
Zip	28112-6168
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R-10 MONRO
Legal Description	1102 HELEN ST 1102 HELEN STREET
Legal Subdivision	ROY WALTERS 3-16
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	2
Census Block	2010
Census Tract	20502

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	1102 HELEN ST, MONROE, NC 28112-6168
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO
Aug 17, 2017	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Feb 27, 2017	Loan Modification, Mortgage · Line of Credit SUNTRUST BK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1102 HELEN ST, MONROE, NC 28112-6168
Transaction Type	Mortgage
Record Updated	Nov 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	8289115
Date	Oct 22, 2021
Book Page	8289/115
Instrument	50616

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	COLUMBIA, SC 29211

Agreement

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

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1102 HELEN ST, MONROE, NC 28112-6168
Document Number	7008275
Book / Page	007008 / 000275
Instrument Date	Aug 17, 2017
Transaction Type	Mortgage
Record Updated	Nov 6, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1102 HELEN ST MONROE NC 281126168, MONROE, NC 28112-6168

Mortgage

Document Number	7008275
Date	Sep 5, 2017
Book Page	007008/000275
Instrument	25960

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 4, 2047

February 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	UNION NC
Property Address	1102 HELEN ST, MONROE, NC 28112-6168
Document Number	6890493
Instrument Date	Feb 27, 2017
Transaction Type	Mortgage
Record Updated	Aug 20, 2018
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1102 HELEN ST MONROE NC 281126168, MONROE, NC 28112-6168

Mortgage

Document Number	6890493
Date	Mar 9, 2017
Book Page	006890/000493
Instrument	6494

Lender

Name	SUNTRUST BK
Type	Bank
Address	DURHAM, NC 27701

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 8, 2047

Interest

Rate Type	Adjustable Rate

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		$272,300 (-) Land $50,400 Building $221,900	$272,300 (-) Land $50,400 Building $221,900
2025	$2,380.00 (+30.99%)	$272,300 (+63.35%) Land $50,400 Building $221,900	$272,300 (+63.35%) Land $50,400 Building $221,900
2023	$1,817.00	$166,700 Land $13,000 Building $153,700	$166,700 Land $13,000 Building $153,700

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 177 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier.

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