1202 Zeb Helms Rd, Monroe, NC 28112 Property Records

Union County property record for 1202 Zeb Helms Rd, Monroe, NC 28112

Property Summary

Property Type	Rural Home
Details	3 bd · 1.5 ba · 1,456 sqft · built 1984
Lot Size	0.92 acres (40,075 sqft)
Owner	Individual Name on File
Last Sale	$134,000 (May 2016)
Tax Bill	$1,148 (2025)
Deeds & Mortgages	May 2022 Mortgage Aug 2025 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`09-354-003E`

Property Details

APN / Parcel Number

Primary APN	`09-354-003E`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,456 sqft Living Area
1st Floor Area	728 sqft

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	40,075 sqft (0.92 acres)
Porch	Slab
Porch Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	1202 ZEB HELMS RD
City	MONROE
State	NC
Zip	28112-7529
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	RA-40 UNIO
Legal Description	P/3 & 4 LANEY OPCB128A OPCB128A
Legal Subdivision	BOUNDARY AND DIVISION SURVEY
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	4
Census Block	4010
Census Tract	20501

Owner

1202 Zeb Helms Rd, a rural home, is owned and occupied by an individual who bought it in May 2016.

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

Owner of Record	Individual Name on File
Mailing Address	1202 ZEB HELMS RD, MONROE, NC 28112-7529
Occupancy	Owner Occupied
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
May 2, 2022	Deed of Trust, Mortgage FIFTH THIRD BANK NA
Aug 1, 2025	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 10, 2016 · Amount on File
Deed Sale	May 10, 2016 · Amount on File
Prior Sale	Mar 1, 2006 · Amount on File
Deed Document Number	201612663
Deed Book / Page	6671 / 177
Prior Transfer Date	Oct 19, 2005
Prior Transfer Doc	3962235
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1202 ZEB HELMS RD, MONROE, NC 28112-7529
Transaction Type	Mortgage
Record Updated	Dec 2, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008468252
Date	May 2, 2022
Book Page	8468/252
Instrument	16149

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Amount	Amount on Record
Term	237 Months
Due	Feb 1, 2042

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1202 ZEB HELMS RD, MONROE, NC 28112-7529
Transaction Type	Mortgage
Record Updated	Dec 2, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1202 ZEB HELMS RD, MONROE, NC 28112-7529

Mortgage

Document Number	0009170802
Date	Aug 1, 2025
Book Page	9170/802
Instrument	19527

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 1202 Zeb Helms Rd was $1,148.

Source: Union County assessment roll, as of March 31, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Union County
Unified School District	Union County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$238,500 (-) Land $46,000 Building $192,500	$238,500 (-) Land $46,000 Building $192,500
2025	$1,148.00	$238,500 Land $46,000 Building $192,500	$238,500 Land $46,000 Building $192,500
2023	$1,290.00	$203,400 Land $20,600 Building $182,800	$203,400 Land $20,600 Building $182,800

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

Flood

FEMA maps place 1202 Zeb Helms Rd 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 1202 Zeb Helms Rd 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	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	UNION COUNTY WATER SYSTEM serves 169,685 people · EPA ID NC0190413
Water Source	Surface water
Last State Inspection	May 2026
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Mar 2020 Haloacetic acids resolved · Jul 2017
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 42 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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