126 Bay St, Monroe, NC 28112 Property Records

Union County property record for 126 Bay St, Monroe, NC 28112

Property Summary

Property Type	Rural Home
Details	3 bd · 1 ba · 1,008 sqft · built 1986
Lot Size	0.24 acres (10,454 sqft)
Owner	Individual Name on Record
Last Sale	$5,000 (Apr 2023)
Tax Bill	$1,779 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Feb 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-238-022C`

Property Details

APN / Parcel Number

Primary APN	`09-238-022C`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,008 sqft Living Area
1st Floor Area	1,008 sqft

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	10,454 sqft (0.24 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	126 BAY ST
City	MONROE
State	NC
Zip	28112-6217
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R-10 MONRO
Legal Description	8192-664
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	1
Census Block	1021
Census Tract	20502

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	5611 COULEE CT, WAXHAW, NC 28173-0039
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2021	Warranty Deed, Transfer · Conventional Mortgage BROKER SOLUTIONS INC
Feb 26, 2020	Warranty Deed, Transfer · Conventional with PMI NFM LNDG
Apr 13, 2018	Deed of Trust, Mortgage BRANCH BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 18, 2023 · Amount on Record
Deed Sale	Apr 18, 2023 · Amount on Record
Prior Sale	Aug 3, 2021 · Amount on Record
Deed Document Number	20238895
Deed Book / Page	8691 / 400
Record Updated	Jun 8, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Aug 3, 2021
Property Address	126 BAY ST, MONROE, NC 28112-6217
Document Number	8192664
Book / Page	8192 / 664
Instrument Date	Aug 2, 2021
Instrument	36496
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	BARRISTER TITLE SERVICES, BARRISTERS TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$420.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3240 PINE TREE ST, 3240, LINCOLNTON, NC 28092-9229

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5300 GLENCOVE CT, WAXHAW, NC 28173-6711

Mortgage

Document Number	36497
Date	Aug 3, 2021
Instrument	36497

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

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

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Feb 26, 2020
Property Address	126 BAY ST, MONROE, NC 28112-6217
Document Number	7594706
Book / Page	007594 / 000706
Instrument Date	Feb 24, 2020
Instrument	6360
Transaction Type	Transfer
Record Updated	Mar 12, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$270.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	126 BAY ST MONROE NC 281126217, MONROE, NC 28112-6217

Mortgage

Document Number	7594708
Date	Feb 26, 2020
Book Page	007594/000708
Instrument	6361

Lender

Name	NFM LNDG
Address	LINTHICUM, MD 21090

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Feb 25, 2050

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	126 BAY ST, MONROE, NC 28112-6217
Document Number	7137543
Instrument Date	Apr 13, 2018
Transaction Type	Mortgage
Record Updated	May 4, 2018
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	126 BAY ST MONROE NC 281126217, MONROE, NC 28112-6217

Mortgage

Document Number	7137543
Date	Apr 16, 2018
Book Page	007137/000543
Instrument	9857

Lender

Name	BRANCH BK&TR
Type	Bank
Address	MONROE, NC 28110-3535

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 15, 2048

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	$1,779.00 (+57.85%)	$203,500 (+96.81%) Land $32,900 Building $170,600	$203,500 (+96.81%) Land $32,900 Building $170,600
2023	$1,127.00	$103,400 Land $17,300 Building $86,100	$103,400 Land $17,300 Building $86,100

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	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	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 202 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Frontier.

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