1108 Concord Ave, Monroe, NC 28110 Property Records

Union County property record for 1108 Concord Ave, Monroe, NC 28110

Property Summary

Property Type	Rural Home
Details	4 bd · 2 ba · 1,642 sqft · built 1930
Lot Size	0.188 acres (8,189 sqft)
Owner	Individual Name on Record
Last Sale	$212,000 (May 2021)
Tax Bill	$2,508 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit May 2021 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`09-229-054A`

Property Details

APN / Parcel Number

Primary APN	`09-229-054A`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,642 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	8,189 sqft (0.188 acres)
Porch	Porch
Porch Area	134 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	1108 CONCORD AVE
City	MONROE
State	NC
Zip	28110-3108
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R-10 MONRO
Legal Description	8104-758
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	1
Census Block	1020
Census Tract	20406

Owner

Source: Union County records, as of March 31, 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	1108 CONCORD AVE, MONROE, NC 28110-3108
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 26, 2022	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
May 18, 2021	Warranty Deed, Transfer · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO
Jul 7, 2020	Deed of Trust, Mortgage TRULIANT FCU
Jul 7, 2020	Deed of Trust, Mortgage · Line of Credit TRULIANT FCU
Nov 3, 2017	Warranty Deed, Transfer · ARM LATINO COMMUNITY CU
Aug 30, 2017	Trustee's Deed, Construction Loan · Construction Mortgage ELLIS T FISHER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 18, 2021 · Amount on Record
Deed Sale	May 18, 2021 · Amount on Record
Prior Sale	Nov 3, 2017 · Amount on Record
Deed Document Number	202123539
Deed Book / Page	8104 / 758
Record Updated	Jun 8, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1108 CONCORD AVE, MONROE, NC 28110-3108
Transaction Type	Mortgage
Record Updated	Oct 11, 2022
Title Company	STEWART TTL GUARANTY NON CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1108 CONCORD AVE, MONROE, NC 28110-3108

Mortgage

Document Number	0008578446
Date	Sep 26, 2022
Book Page	8578/446
Instrument	33503

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	26592

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	May 18, 2021
Property Address	1108 CONCORD AVE, MONROE, NC 28110-3108
Document Number	8104758
Book / Page	8104 / 758
Instrument Date	May 14, 2021
Instrument	23539
Transaction Type	Transfer
Record Updated	Jun 8, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$424.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1108 CONCORD AVE, MONROE, NC 28110-3108

Mortgage

Document Number	23540
Date	May 18, 2021
Instrument	23540

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank

Agreement

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

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1108 CONCORD AVE, MONROE, NC 28110-3108
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7726293
Date	Jul 7, 2020
Book Page	7726/293
Instrument	24667

Lender

Name	TRULIANT FCU
Type	Credit Union
Address	WINSTON SALEM, NC 27103

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jul 15, 2035

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1108 CONCORD AVE, MONROE, NC 28110-3108
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7726301
Date	Jul 7, 2020
Book Page	7726/301
Instrument	24668

Lender

Name	TRULIANT FCU
Type	Credit Union
Address	WINSTON SALEM, NC 27103

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 30, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Nov 3, 2017
Property Address	1108 CONCORD AVE, MONROE, NC 28110-3108
Document Number	0007047404
Book / Page	7047 / 404
Instrument Date	Nov 3, 2017
Instrument	0032541
Transaction Type	Transfer
Record Updated	Dec 14, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$200.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2800 TOM LANEY RD, 2800, MONROE, NC 28112-7507

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1108 CONCORD AVE, MONROE, NC 28110-3108

Mortgage

Document Number	0000032542
Date	Nov 3, 2017
Instrument	0032542

Lender

Name	LATINO COMMUNITY CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Change Frequency	5 Years
Min Rate At Change	5.25%
Max Rate At Change	6%
Index	Other
Margin	2
Max Rate	6%

August 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	UNION NC
Recording Date	Aug 30, 2017
Property Address	1108 CONCORD AVE, MONROE, NC 28110-3108
Book / Page	007005 / 000579
Instrument Date	Aug 30, 2017
Instrument	25516
Transaction Type	Construction Loan
Record Updated	Dec 8, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

Mortgage

Document Number	7005579
Date	Aug 30, 2017
Book Page	007005/000579
Instrument	25516

Lender

Name	ELLIS T FISHER

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Aug 29, 2018

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
2025	$2,508.00 (+50.81%)	$287,000 (+88.2%) Land $30,700 Building $256,300	$287,000 (+88.2%) Land $30,700 Building $256,300
2023	$1,663.00	$152,500 Land $16,900 Building $135,600	$152,500 Land $16,900 Building $135,600

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	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 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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