114 N Main St, Monroe, NC 28112 Property Records

Union County property record for 114 N Main St, Monroe, NC 28112

Property Summary

Property Type	Commercial
Details	7,304 sqft · built 1940
Lot Size	0.085 acres (3,703 sqft)
Owner	Company Name on File
Last Sale	$304,000 (Mar 2014)
Tax Bill	$8,753 (2025)
Deeds & Mortgages	Mar 2023 Line of Credit Mar 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-232-058`

Property Details

APN / Parcel Number

Primary APN	`09-232-058`

Interior

Stories	2 Stories
Building Area	7,304 sqft Total Area

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Fire Resistance	Masonry Walls, Wood Interior
Roof Material	Asphalt
Lot Area	3,703 sqft (0.085 acres)

Location & Zoning

Street Address	114 N MAIN ST
City	MONROE
State	NC
Zip	28112-4721
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	CBD MONROE
Legal Description	#114 & #116 & #118 OPCK137 6187-370
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	2
Census Block	2058
Census Tract	20501

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Monroe Downtown Historic District listed 1988 · 26 contributing resources · NRIS 87002202

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

114 N Main St, a commercial property, is owned by a company that bought it in March 2014.

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

Owner of Record	Company Name on File
Mailing Address	PO BOX 787, MONROE, NC 28111-0787
Owner Type	Company
Vesting	Company

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
Mar 14, 2023	Deed of Trust, Mortgage · Line of Credit PARTNER COMMUNITY CAPITAL INC
Mar 9, 2020	Deed of Trust, Mortgage · Commercial Mortgage COGENT BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 4, 2014 · Amount on File
Deed Sale	Mar 4, 2014 · Amount on File
Prior Sale	May 4, 2006 · Amount on File
Deed Document Number	20145099
Deed Book / Page	6187 / 370
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	114 N MAIN ST, MONROE, NC 28112-4721
Transaction Type	Mortgage
Record Updated	Apr 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 N MAIN ST, MONROE, NC 28112-4721

Mortgage

Document Number	0000867151
Date	Mar 14, 2023
Book Page	8671/51
Instrument	5765

Lender

Name	PARTNER COMMUNITY CAPITAL INC
Type	Non-Lending Institution
Address	CHARLES TOWN, WV 25414

Agreement

Type	Line of Credit
Amount	Amount on Record

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	114 N MAIN ST, MONROE, NC 28112-4721
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7604708
Date	Mar 9, 2020
Book Page	7604/708
Instrument	7847

Lender

Name	COGENT BANK
Type	Bank
Address	CHARLOTTE, NC 28210

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 114 N Main St was $8,753.

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		$846,400 (-) Land $50,900 Building $795,500	$846,400 (-) Land $50,900 Building $795,500
2025	$8,753.00	$846,400 Land $50,900 Building $795,500	$846,400 Land $50,900 Building $795,500
2023	$3,131.00	$243,600 Land $38,300 Building $205,300	$243,600 Land $38,300 Building $205,300

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

Flood

FEMA maps place 114 N Main 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

Wildfire risk around 114 N Main 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.

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 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.

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