1306 Ann St, Monroe, NC 28112 Property Records

Union County property record for 1306 Ann St, Monroe, NC 28112

Property Summary

Property Type	Rural Home
Details	4 bd · 2.5 ba · 1,783 sqft · built 2017
Lot Size	0.455 acres (19,820 sqft)
Owner	Individual Name on Record
Last Sale	$240,000 (Feb 2020)
Tax Bill	$3,468 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Feb 2020 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`09-279-093A`

Property Details

APN / Parcel Number

Primary APN	`09-279-093A`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,783 sqft Living Area
1st Floor Area	663 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Construction Type	Wood
Roof Type	Gable
Lot Area	19,820 sqft (0.455 acres)
Garage Type	Attached
Garage Area	457 sqft
Porch	Slab
Porch Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1306 ANN ST
City	MONROE
State	NC
Zip	28112-6166
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R-10 MONRO
Legal Description	#2 PRICE OPCI725
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	2
Census Block	2006
Census Tract	20502

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	Individual Name on Record
Mailing Address	1306 ANN ST, MONROE, NC 28112-6166
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 26, 2022	Deed of Trust, Mortgage · Line of Credit SHARONVIEW FCU
Feb 24, 2020	Warranty Deed, Transfer · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO
Nov 1, 2017	Warranty Deed, Transfer · FHA Mortgage ALLEN TATE MORTGAGE PARTNERS LLC
Aug 10, 2017	Trustee's Deed, Construction Loan · Construction Mortgage BANK OF NC
May 31, 2017	Warranty Deed, Transfer INVESTORS TITLE COMPANY, INVESTORS TITLE CO.

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 24, 2020 · Amount on Record
Deed Sale	Feb 24, 2020 · Amount on Record
Prior Sale	Nov 1, 2017 · Amount on Record
Deed Document Number	20206021
Deed Book / Page	7592 / 445
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1306 ANN ST, MONROE, NC 28112-6166
Transaction Type	Mortgage
Record Updated	Oct 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008577829
Date	Sep 26, 2022
Book Page	8577/829
Instrument	33430

Lender

Name	SHARONVIEW FCU
Type	Credit Union
Address	FORT MILL, SC 29716

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 12, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Feb 24, 2020
Property Address	1306 ANN ST, MONROE, NC 28112-6166
Document Number	0007592445
Book / Page	7592 / 445
Map Reference	CAB I FILE 725
Instrument Date	Feb 14, 2020
Instrument	6021
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	INVESTORS TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$480.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5811 UNIONVILLE RD, 5811, MONROE, NC 28110-7431

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1306 ANN ST, MONROE, NC 28112-6166

Mortgage

Document Number	0000006022
Date	Feb 24, 2020
Instrument	6022

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Type Change Date	Mar 1, 2030
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.37%
Index	1-Year LIBOR
Max Rate	9.37%

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Nov 1, 2017
Property Address	1306 ANN ST, MONROE, NC 28112-6166
Document Number	0007045890
Book / Page	7045 / 890
Map Reference	CAB I FILE 725
Instrument Date	Nov 1, 2017
Instrument	0032280
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	INVESTORS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$393.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5303 SECREST SHORTCUT RD, 5303, MONROE, NC 28110-9173

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1306 ANN ST, MONROE, NC 28112-6166

Mortgage

Document Number	0000032281
Date	Nov 1, 2017
Instrument	0032281

Lender

Name	ALLEN TATE MORTGAGE PARTNERS LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2047

August 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	UNION NC
Recording Date	Aug 10, 2017
Property Address	1306 ANN ST, MONROE, NC 28112-6166
Book / Page	006992 / 000069
Instrument Date	Aug 10, 2017
Instrument	23186
Transaction Type	Construction Loan
Record Updated	Oct 30, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5303 SECREST SHORTCUT RD MONROE NC 281109173, MONROE, NC 28110-9173

Mortgage

Document Number	699269
Date	Aug 10, 2017
Book Page	006992/000069
Instrument	23186

Lender

Name	BANK OF NC
Type	Bank
Address	MONROE, NC 28110

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	May 31, 2017
Property Address	1306 ANN ST, MONROE, NC 28112-6166
Document Number	6942207
Book / Page	006942 / 000207
Instrument Date	May 31, 2017
Instrument	15069
Transaction Type	Transfer
Record Updated	Jul 14, 2017
Title Company	INVESTORS TITLE COMPANY, INVESTORS TITLE CO.

Transaction

Amount	Amount Recorded
Tax	$70.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5303 SECREST SHORTCUT RD MONROE NC 281109173, MONROE, NC 28110-9173

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		$396,800 (-) Land $51,800 Building $345,000	$396,800 (-) Land $51,800 Building $345,000
2025	$3,468.00 (+25.11%)	$396,800 (+56.1%) Land $51,800 Building $345,000	$396,800 (+56.1%) Land $51,800 Building $345,000
2023	$2,772.00	$254,200 Land $13,900 Building $240,300	$254,200 Land $13,900 Building $240,300

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 · 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	2 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	0.02% 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 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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