1106 Harvard St, Monroe, NC 28112 Property Records

Union County property record for 1106 Harvard St, Monroe, NC 28112

Property Summary

Property Type	Rural Home
Details	2 ba · 1,114 sqft · built 1999
Lot Size	0.236 acres (10,280 sqft)
Owner	Individual Name on File
Last Sale	$215,000 (Mar 2021)
Tax Bill	$2,117 (2025)
Deeds & Mortgages	Jun 2021 Transfer Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-276-051`

Property Details

APN / Parcel Number

Primary APN	`09-276-051`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,114 sqft Living Area
1st Floor Area	1,114 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,280 sqft (0.236 acres)
Porch	Slab
Porch Area	60 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1106 HARVARD ST
City	MONROE
State	NC
Zip	28112-5952
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R-10 MONRO
Legal Description	8149-788
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	2
Census Block	2005
Census Tract	20502

Owner

1106 Harvard St, a rural home, is owned by an individual who bought it in March 2021.

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

Owner of Record	Individual Name on File
Mailing Address	5315 REID RD, INDIAN TRAIL, NC 28079-8545
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
Jun 25, 2021	Correction Deed
Mar 19, 2021	Warranty Deed, Transfer · Conventional Mortgage SOUTHERN TRUST MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 19, 2021 · Amount on File
Deed Sale	Mar 19, 2021 · Amount on File
Prior Sale	Nov 4, 2009 · Amount on File
Deed Document Number	202112978
Deed Book / Page	8032 / 640
Prior Transfer Date	Nov 12, 2010
Prior Transfer Doc	5436222
Record Updated	Oct 29, 2026

June 2021: Correction Deed

Document Type	Correction Deed
Jurisdiction	UNION NC
Recording Date	Jun 25, 2021
Property Address	1106 HARVARD ST, MONROE, NC 28112-5952
Document Number	8149788
Book / Page	8149 / 788
Instrument Date	Jun 17, 2021
Instrument	30235
Record Updated	Jul 14, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 413, MIDLAND, NC 28107-0413

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5315 REID RD, INDIAN TRAIL, NC 28079-8545

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Mar 19, 2021
Property Address	1106 HARVARD ST, MONROE, NC 28112-5952
Document Number	0008032640
Book / Page	8032 / 640
Instrument Date	Mar 19, 2021
Instrument	12978
Transaction Type	Transfer
Record Updated	Dec 14, 2021

Transaction

Amount	Amount 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
Address	PO BOX 413, MIDLAND, NC 28107-0413

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5315 REID RD, INDIAN TRAIL, NC 28079-8545

Mortgage

Document Number	0000012979
Date	Mar 19, 2021
Instrument	12979

Lender

Name	SOUTHERN TRUST MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

Mortgage

Document Number	0008032657
Date	Mar 19, 2021
Book Page	8032/657
Instrument	12980

Lender

Name	NORTH CAROLINA HOUSING FINANCE AGENCY
Type	Government Agency
Address	RALEIGH, NC 27611

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 1106 Harvard St was $2,117.

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		$242,200 (-) Land $49,100 Building $193,100	$242,200 (-) Land $49,100 Building $193,100
2025	$2,117.00	$242,200 Land $49,100 Building $193,100	$242,200 Land $49,100 Building $193,100
2023	$1,649.00	$151,300 Land $12,200 Building $139,100	$151,300 Land $12,200 Building $139,100

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

Flood

FEMA maps place 1106 Harvard St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 1106 Harvard 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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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