Union County property record for 1314 Concord Ave, Monroe, NC 28110
| Property Type | Rural Home |
|---|---|
| Details | 4 bd · 1.5 ba · 2,186 sqft · built 1946 |
| Lot Size | 0.237 acres (10,324 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $130,000 (Aug 2020) |
| Tax Bill | $1,433 (2025) |
| Deeds & Mortgages | Mar 2022 Mortgage Aug 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-226-099 |
| Primary APN | 09-226-099 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,186 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1946 |
|---|---|
| Effective Year Built | Effective 1946 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 10,324 sqft (0.237 acres) |
| Porch | Slab |
| Porch Area | 91 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1314 CONCORD AVE |
|---|---|
| City | MONROE |
| State | NC |
| Zip | 28110-2975 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | R-10 MONRO |
| Legal Description | #2 STOCKTON PB2 PG91 |
| Legal Subdivision | T C HELMS 2-91 |
| Jurisdiction | UNION NC |
| Township / Civil Division | MONROE |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 20406 |
Source: Union County records · APN 09-226-099
Assessment roll updated March 31, 2026 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1314 CONCORD AVE, MONROE, NC 28110-2975 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 15, 2022 | Deed of Trust, Mortgage · FHA Mortgage CARDINAL FINANCIAL COMPANY LP |
| Aug 11, 2020 | Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 11, 2020 · Amount on Record |
| Deed Sale | Aug 11, 2020 · Amount on Record |
| Deed Document Number | 202030666 |
| Deed Book / Page | 7768 / 645 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 1314 CONCORD AVE, MONROE, NC 28110-2975 |
| Transaction Type | Mortgage |
| Record Updated | Mar 24, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0008425572 |
|---|---|
| Date | Mar 15, 2022 |
| Book Page | 8425/572 |
| Instrument | 9657 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Aug 11, 2020 |
| Property Address | 1314 CONCORD AVE, MONROE, NC 28110-2975 |
| Document Number | 0007768645 |
| Book / Page | 7768 / 645 |
| Map Reference | MB 2 PG 91 |
| Instrument Date | Jul 29, 2020 |
| Instrument | 30666 |
| Transaction Type | Transfer |
| Record Updated | Dec 14, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $260.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1314 CONCORD AVE, MONROE, NC 28110-2975 |
| Document Number | 0000030667 |
|---|---|
| Date | Aug 11, 2020 |
| Instrument | 30667 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2050 |
| Document Number | 0007768665 |
|---|---|
| Date | Aug 11, 2020 |
| Book Page | 7768/665 |
| Instrument | 30668 |
| Name | NORTH CAROLINA HOUSING FINANCE AGENCY |
|---|---|
| Type | Government Agency |
| Address | RALEIGH, NC 27611 |
| Amount | Amount Recorded |
|---|
Source: Union County records · Assessment roll updated March 31, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Union County |
| Municipality | Monroe City |
| Unified School District | Union County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,433.00 (+3.32%) | $164,000 (+28.93%) Land $31,200 Building $132,800 | $164,000 (+28.93%) Land $31,200 Building $132,800 |
| 2023 | $1,387.00 | $127,200 Land $17,300 Building $109,900 | $127,200 Land $17,300 Building $109,900 |
Source: FEMA National Flood Hazard Layer, Union County (37179C), updated September 14, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| 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 are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 297 locations within half a mile · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Verizon.
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026
| Water System | CITY OF MONROE serves 43,081 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Nov 2025 |
| Lead | Under 1 ppb (2026–2028) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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