1304 Lancaster Ave, Monroe, NC 28112 Property Records

Union County property record for 1304 Lancaster Ave, Monroe, NC 28112

Property Summary

Property Type	Rural Home
Details	3 bd · 1 ba · 1,131 sqft · built 1955
Lot Size	0.411 acres (17,903 sqft)
Owner	Individual Name on Record
Last Sale	$220,000 (Jan 2022)
Tax Bill	$2,318 (2025)
Deeds & Mortgages	May 2024 Line of Credit Jan 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-276-079`

Property Details

APN / Parcel Number

Primary APN	`09-276-079`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,131 sqft Living Area
Gross Area	1,170 sqft
1st Floor Area	1,131 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	17,903 sqft (0.411 acres)

Exterior Amenities

Porch	Porch
Porch Area	66 sqft
Deck Area	168 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1304 LANCASTER AVE
City	MONROE
State	NC
Zip	28112-6100
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R-10 MONRO
Legal Description	#9 STEWART PARK SEC1 PB3 PG060
Legal Subdivision	STEWART PARK
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	3
Census Block	3043
Census Tract	20501

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	1304 LANCASTER AVE, MONROE, NC 28112-6100
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 2, 2024	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Jan 21, 2022	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
Jul 13, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 21, 2022 · Amount on Record
Deed Sale	Jan 21, 2022 · Amount on Record
Prior Sale	Jul 13, 2021 · Amount on Record
Deed Document Number	20222608
Deed Book / Page	8378 / 861
Record Updated	Oct 29, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1304 LANCASTER AVE, MONROE, NC 28112-6100
Transaction Type	Mortgage
Record Updated	May 21, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008897391
Date	May 2, 2024
Book Page	8897/391
Instrument	9928

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Jan 21, 2022
Property Address	1304 LANCASTER AVE, MONROE, NC 28112-6100
Document Number	0008378861
Book / Page	8378 / 861
Map Reference	MB 3 PG 60
Instrument Date	Dec 23, 2021
Instrument	2608
Transaction Type	Transfer
Record Updated	Feb 10, 2022
Title Company	TRYON TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$440.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1561, MONROE, NC 28111-1561

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1304 LANCASTER AVE, MONROE, NC 28112-6100

Mortgage

Document Number	0000002609
Date	Jan 21, 2022
Instrument	2609

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Feb 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.15%
Type Change Date	Feb 1, 2026
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	5.15%
Index	5-Year CMT
Max Rate	9.15%

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Jul 13, 2021
Property Address	1304 LANCASTER AVE, MONROE, NC 28112-6100
Document Number	8167658
Book / Page	8167 / 658
Map Reference	MB 3 PG 60
Instrument Date	Jul 13, 2021
Instrument	32909
Transaction Type	Transfer
Record Updated	Aug 3, 2021

Transaction

Amount	Amount Recorded
Tax	$280.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1561, MONROE, NC 28111-1561

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		$265,200 (-) Land $51,200 Building $214,000	$265,200 (-) Land $51,200 Building $214,000
2025	$2,318.00 (+74.29%)	$265,200 (+117.38%) Land $51,200 Building $214,000	$265,200 (+117.38%) Land $51,200 Building $214,000
2023	$1,330.00	$122,000 Land $13,600 Building $108,400	$122,000 Land $13,600 Building $108,400

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 · 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	3 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.

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 177 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier.

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