Union County property record for 1200 McCray St, Monroe, NC 28112
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2 ba · 1,444 sqft · built 1960 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | Company Name on Record |
| Last Sale | $288,000 (Oct 2021) |
| Tax Bill | $2,218 (2025) |
| Deeds & Mortgages | Oct 2021 Sale Jan 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-194-114 |
| Primary APN | 09-194-114 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,444 sqft Living Area |
| Gross Area | 1,512 sqft |
| 1st Floor Area | 1,272 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 10,454 sqft (0.24 acres) |
| Garage Type | Attached |
| Garage Area | 288 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 288 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1200 MCCRAY ST |
|---|---|
| City | MONROE |
| State | NC |
| Zip | 28112-5032 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | R-10 MONRO |
| Legal Description | 8284-415 |
| Jurisdiction | UNION NC |
| Township / Civil Division | MONROE |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 20602 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 199 LAFAYETTE ST, 7, NEW YORK, NY 10012-4279 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Oct 19, 2021 | Warranty Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Jan 29, 2021 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Feb 23, 2018 | Warranty Deed, Transfer · VA Mortgage NAVY FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 19, 2021 · Amount on Record |
| Deed Sale | Oct 19, 2021 · Amount on Record |
| Prior Sale | Feb 23, 2018 · Amount on Record |
| Deed Document Number | 202149890 |
| Deed Book / Page | 8284 / 415 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Oct 19, 2021 |
| Property Address | 1200 MCCRAY ST, MONROE, NC 28112-5032 |
| Document Number | 8284415 |
| Book / Page | 8284 / 415 |
| Instrument Date | Oct 19, 2021 |
| Instrument | 49890 |
| Transaction Type | Transfer |
| Record Updated | Nov 8, 2021 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Amount | Amount Recorded |
|---|---|
| Tax | $576.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1111 W MARKET ST, 1111, CHERAW, SC 29520-3113 |
| Name | Verified Name |
|---|---|
| Address | 31 HUDSON YARDS, NEW YORK, NY 10001-2170 |
| Investor | Possibly a Property Investor |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 1200 MCCRAY ST, MONROE, NC 28112-5032 |
| Transaction Type | Mortgage |
| Record Updated | Feb 16, 2021 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 7971422 |
|---|---|
| Date | Jan 29, 2021 |
| Book Page | 7971/422 |
| Instrument | 4365 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Feb 23, 2018 |
| Property Address | 1200 MCCRAY ST, MONROE, NC 28112-5032 |
| Document Number | 710843 |
| Book / Page | 007108 / 000043 |
| Instrument Date | Feb 23, 2018 |
| Instrument | 4739 |
| Transaction Type | Transfer |
| Record Updated | Mar 15, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $270.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 7110 PLYLER MILL RD MONROE NC 281127732, MONROE, NC 28112-7732 |
| Document Number | 710845 |
|---|---|
| Date | Feb 23, 2018 |
| Book Page | 007108/000045 |
| Instrument | 4740 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 22, 2048 |
Source: Union County assessment roll, as of March 31, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Union County |
| Municipality | Monroe City |
| Unified School District | Union County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $253,800 (-) Land $52,300 Building $201,500 | $253,800 (-) Land $52,300 Building $201,500 | |
| 2025 | $2,218.00 (+10.02%) | $253,800 (+37.26%) Land $52,300 Building $201,500 | $253,800 (+37.26%) Land $52,300 Building $201,500 |
| 2023 | $2,016.00 | $184,900 Land $12,200 Building $172,700 | $184,900 Land $12,200 Building $172,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 1 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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 153 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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