1316 Concord Ave, Monroe, NC 28110 Property Records

Union County property record for 1316 Concord Ave, Monroe, NC 28110

Property Summary

Property Type	Rural Home
Details	2 bd · 1 ba · 1,156 sqft · built 1946
Lot Size	0.321 acres (13,983 sqft)
Owner	2 Individual Names on File
Last Sale	$132,000 (Dec 2020)
Tax Bill	$1,809 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-226-067`

Property Details

APN / Parcel Number

Primary APN	`09-226-067`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,156 sqft Living Area
1st Floor Area	1,156 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1946
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	13,983 sqft (0.321 acres)
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	166 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1316 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	#3 STOCKTON PB2 PG91 7924-792
Legal Subdivision	T C HELMS 2-91
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	1
Census Block	1009
Census Tract	20406

Owner

1316 Concord Ave, a rural home, is owned and occupied by two individuals who bought it in December 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	1316 CONCORD AVE, MONROE, NC 28110-2975
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
Jun 1, 2022	Deed of Trust, Mortgage · FHA Mortgage CARDINAL FINANCIAL COMPANY LP
Dec 17, 2020	Warranty Deed, Transfer · FHA Mortgage MOVEMENT MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 17, 2020 · Amount on File
Deed Sale	Dec 17, 2020 · Amount on File
Prior Sale	Jun 28, 2001 · Amount on File
Deed Document Number	202052693
Deed Book / Page	7924 / 792
Prior Transfer Date	Feb 12, 2013
Prior Transfer Doc	5946898
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1316 CONCORD AVE, MONROE, NC 28110-2975
Transaction Type	Mortgage
Record Updated	Aug 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008491861
Date	Jun 1, 2022
Book Page	8491/861
Instrument	19909

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Dec 17, 2020
Property Address	1316 CONCORD AVE, MONROE, NC 28110-2975
Document Number	0007924792
Book / Page	7924 / 792
Instrument Date	Dec 15, 2020
Instrument	52693
Transaction Type	Transfer
Record Updated	Aug 24, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$264.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1316 CONCORD AVE, MONROE, NC 28110-2975
Investor	Possibly a Property Investor

Mortgage

Document Number	0000052694
Date	Dec 17, 2020
Instrument	52694

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 1316 Concord Ave was $1,809.

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		$207,000 (-) Land $32,300 Building $174,700	$207,000 (-) Land $32,300 Building $174,700
2025	$1,809.00	$207,000 Land $32,300 Building $174,700	$207,000 Land $32,300 Building $174,700
2023	$1,419.00	$130,200 Land $18,000 Building $112,200	$130,200 Land $18,000 Building $112,200

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

Flood

FEMA maps place 1316 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 1316 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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