Union County property record for 1204 McCray St, Monroe, NC 28112
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 1 ba · 1,176 sqft · built 1956 |
| Lot Size | 0.326 acres (14,201 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $187,000 (Sep 2020) |
| Tax Bill | $2,223 (2025) |
| Deeds & Mortgages | Sep 2020 Sale & Mortgage Dec 2019 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-194-115 |
| Primary APN | 09-194-115 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,176 sqft Living Area |
| Gross Area | 1,247 sqft |
| 1st Floor Area | 1,176 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 14,201 sqft (0.326 acres) |
| Garage Type | Carport |
| Garage Area | 532 sqft |
| Carport | Carport |
| Carport Area | 532 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 84 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1204 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 | 7806-0143 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 202 SAMUEL ST, MATTHEWS, NC 28104-8748 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 11, 2020 | Warranty Deed, Transfer · Conventional Mortgage FOUNDERS FCU |
| Dec 13, 2019 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 11, 2020 · Amount on Record |
| Deed Sale | Sep 11, 2020 · Amount on Record |
| Prior Sale | Dec 13, 2019 · Amount on Record |
| Deed Document Number | 202036030 |
| Deed Book / Page | 7806 / 143 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Sep 11, 2020 |
| Property Address | 1204 MCCRAY ST, MONROE, NC 28112-5032 |
| Document Number | 0007806143 |
| Book / Page | 7806 / 143 |
| Instrument Date | Sep 10, 2020 |
| Instrument | 36030 |
| Transaction Type | Transfer |
| Record Updated | Dec 14, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $374.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4049 SHADOWBROOK RD, 4049, WAXHAW, NC 28173-0291 |
| Name | Verified Name |
|---|---|
| Address | 1204 MCCRAY ST, MONROE, NC 28112-5032 |
| Document Number | 0000036031 |
|---|---|
| Date | Sep 11, 2020 |
| Instrument | 36031 |
| Name | FOUNDERS FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 5, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Dec 13, 2019 |
| Property Address | 1204 MCCRAY ST, MONROE, NC 28112-5032 |
| Document Number | 7540235 |
| Book / Page | 007540 / 000235 |
| Instrument Date | Dec 13, 2019 |
| Instrument | 39131 |
| Transaction Type | Transfer |
| Record Updated | Jan 7, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $180.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 501 W ROOSEVELT BLVD MONROE NC 281103539, MONROE, NC 28110-3539 |
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 | $254,400 (-) Land $53,300 Building $201,100 | $254,400 (-) Land $53,300 Building $201,100 | |
| 2025 | $2,223.00 (+30.3%) | $254,400 (+62.56%) Land $53,300 Building $201,100 | $254,400 (+62.56%) Land $53,300 Building $201,100 |
| 2023 | $1,706.00 | $156,500 Land $12,900 Building $143,600 | $156,500 Land $12,900 Building $143,600 |
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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