1304 Concord Ave, Monroe, NC 28110 Property Records

Union County property record for 1304 Concord Ave, Monroe, NC 28110

Property Summary

Property Type	Rural Home
Details	4 bd · 2 ba · 1,631 sqft · built 1920
Lot Size	0.33 acres (14,375 sqft)
Owner	Individual Name on File
Last Sale	$310,000 (Mar 2022)
Tax Bill	$2,900 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Nov 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-226-164`

Property Details

APN / Parcel Number

Primary APN	`09-226-164`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,631 sqft Living Area
1st Floor Area	1,431 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,375 sqft (0.33 acres)
Garage Type	Carport
Garage Area	315 sqft
Carport	Carport
Carport Area	315 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	32 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1304 CONCORD AVE
City	MONROE
State	NC
Zip	28110-2910
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R-10 MONRO
Legal Description	8441-636
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	1
Census Block	1010
Census Tract	20406

Owner

1304 Concord Ave, a rural home, is owned and occupied by an individual who bought it in March 2022.

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

Owner of Record	Individual Name on File
Mailing Address	1304 CONCORD AVE, MONROE, NC 28110-2910
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
Mar 31, 2022	Warranty Deed, Transfer · Conventional Mortgage TRUIST BANK
Nov 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN SECURITY MORTGAGE CORP
Jun 26, 2017	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 31, 2022 · Amount on File
Deed Sale	Mar 31, 2022 · Amount on File
Prior Sale	Jun 26, 2017 · Amount on File
Deed Document Number	202212075
Deed Book / Page	8441 / 636
Prior Transfer Date	Jun 13, 2017
Prior Transfer Doc	6959901
Record Updated	Oct 29, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Mar 31, 2022
Property Address	1304 CONCORD AVE, MONROE, NC 28110-2910
Document Number	0008441636
Book / Page	8441 / 636
Instrument Date	Mar 24, 2022
Instrument	12075
Transaction Type	Transfer
Record Updated	Apr 19, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$620.00
Amount Accuracy	Rounded by County
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	917 N CENTRAL AVE, 917, LOCUST, NC 28097-7119

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1304 CONCORD AVE, MONROE, NC 28110-2910

Mortgage

Document Number	0000012076
Date	Mar 31, 2022
Instrument	12076

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1304 CONCORD AVE, MONROE, NC 28110-2910
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7519264
Date	Nov 18, 2019
Book Page	7519/264
Instrument	0035931

Lender

Name	AMERICAN SECURITY MORTGAGE CORP
Type	Mortgage Company
Address	CHARLOTTE, NC 28211

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

June 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	UNION NC
Recording Date	Jun 26, 2017
Property Address	1304 CONCORD AVE, MONROE, NC 28110-2910
Document Number	6959901
Book / Page	006959 / 000901
Instrument Date	Mar 30, 2017
Instrument	17944
Transaction Type	Foreclosure
Record Updated	Nov 10, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$118.00
Amount Accuracy	Confirmed
Additional	Foreclosure Auction Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 639 LOCUST NC 280970639, LOCUST, NC 28097-0639

Tax Assessment & Valuation

The 2025 property tax bill for 1304 Concord Ave was $2,900.

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		$331,800 (-) Land $32,400 Building $299,400	$331,800 (-) Land $32,400 Building $299,400
2025	$2,900.00	$331,800 Land $32,400 Building $299,400	$331,800 Land $32,400 Building $299,400
2023	$1,696.00	$155,600 Land $18,000 Building $137,600	$155,600 Land $18,000 Building $137,600

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

Flood

FEMA maps place 1304 Concord Ave 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 1304 Concord Ave 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	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 297 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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