128 S Main St, Monroe, NC 28112 Property Records

Union County property record for 128 S Main St, Monroe, NC 28112

Property Summary

Property Type	Commercial
Details	8,870 sqft · built 1930
Lot Size	0.745 acres (32,452 sqft)
Owner	Company Name on Record
Tax Bill	$16,242 (2025)
Deeds & Mortgages	Nov 2019 Loan Modification May 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`09-232-081`

Property Details

APN / Parcel Number

Primary APN	`09-232-081`

Interior

Stories	1 Story
Building Area	8,870 sqft Total Area

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Fire Resistance	Masonry Walls, Wood Interior
Roof Material	Asphalt
Lot Area	32,452 sqft (0.745 acres)
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	128 S MAIN ST
City	MONROE
State	NC
Zip	28112-5541
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	CBD MONROE
Legal Description	128,130,132,134,136,138 S MA IN 7381-331
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	2
Census Block	2056
Census Tract	20501

Historic Designation

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

Historic District	Within the Monroe Residential Historic District listed 1988 · 381 contributing resources · NRIS 87002204

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

Owner

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	321 E WINDSOR ST, MONROE, NC 28112-4843
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Nov 1, 2019	Loan Modification, Mortgage ATTORNEY ONLY
May 30, 2019	Grant Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Dec 31, 2010
Transfer Doc	5479769
Record Updated	Oct 29, 2026

November 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	UNION NC
Property Address	128 S MAIN ST, MONROE, NC 28112-5541
Document Number	7513490
Instrument Date	Nov 1, 2019
Transaction Type	Mortgage
Record Updated	Dec 10, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	UNION NC
Recording Date	May 30, 2019
Property Address	128 S MAIN ST, MONROE, NC 28112-5541
Document Number	7381331
Book / Page	007381 / 000331
Instrument Date	May 23, 2019
Instrument	14729
Transaction Type	Transfer
Record Updated	Dec 15, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

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
2026		$1,570,500 (-) Land $445,900 Building $1,124,600	$1,570,500 (-) Land $445,900 Building $1,124,600
2025	$16,242.00 (+69.93%)	$1,570,500 (+111.2%) Land $445,900 Building $1,124,600	$1,570,500 (+111.2%) Land $445,900 Building $1,124,600
2023	$9,558.00	$743,600 Land $335,300 Building $408,300	$743,600 Land $335,300 Building $408,300

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	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.

Nearby Properties on S Main St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures