1407 Henry Smith Rd, Monroe, NC 28110 Property Records

Union County property record for 1407 Henry Smith Rd, Monroe, NC 28110

Property Summary

Property Type	Rural Home
Details	2 ba · 1,874 sqft · built 2001
Lot Size	0.48 acres (20,909 sqft)
Owner	2 Individual Names on Record
Last Sale	$250,000 (May 2019)
Tax Bill	$2,184 (2025)
Deeds & Mortgages	Dec 2021 Mortgage May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-129-064`

Property Details

APN / Parcel Number

Primary APN	`08-129-064`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,874 sqft Living Area
Gross Area	2,348 sqft
1st Floor Area	1,874 sqft

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	20,909 sqft (0.48 acres)
Garage Type	Attached
Garage Area	474 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	114 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1407 HENRY SMITH RD
City	MONROE
State	NC
Zip	28110-7730
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	RA-40 UNIO
Legal Description	#21 LOXDALE FARMS OPCG523
Legal Subdivision	LOXDALE FARMS
Legal Lot Number	21
Jurisdiction	UNION NC
Township / Civil Division	GOOSE CREEK
Census Block Group	2
Census Block	2008
Census Tract	20206

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	2 Individual Names on Record
Mailing Address	1407 HENRY SMITH RD, MONROE, NC 28110-7730
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
May 16, 2019	Warranty Deed, Transfer · ARM STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 2019 · Amount on Record
Deed Sale	May 16, 2019 · Amount on Record
Prior Sale	Sep 15, 2016 · Amount on Record
Deed Document Number	201913184
Deed Book / Page	7371 / 789
Prior Transfer Date	Jul 21, 2004
Prior Transfer Doc	0000030338
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	1407 HENRY SMITH RD, MONROE, NC 28110-7730
Transaction Type	Mortgage
Record Updated	Dec 31, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008344492
Date	Dec 15, 2021
Book Page	8344/492
Instrument	58804

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	May 16, 2019
Property Address	1407 HENRY SMITH RD, MONROE, NC 28110-7730
Document Number	0007371789
Book / Page	7371 / 789
Map Reference	CAB G FILE 523&524
Instrument Date	May 16, 2019
Instrument	0013184
Transaction Type	Transfer
Record Updated	Dec 14, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$500.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3406 OLD CAMDEN RD, 3406, MONROE, NC 28110-9736

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1407 HENRY SMITH RD, MONROE, NC 28110-7730

Mortgage

Document Number	0000013185
Date	May 16, 2019
Instrument	0013185

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Change Frequency	5 Years
Min Rate At Change	4.25%
Index	5-Year CMT
Margin	2
Max Rate	6%

Tax Assessment & Valuation

Source: Union County assessment roll, as of March 31, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Union County
Municipality	Unionville Town
Unified School District	Union County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$429,900 (-) Land $88,500 Building $341,400	$429,900 (-) Land $88,500 Building $341,400
2025	$2,184.00 (+24.44%)	$429,900 (+63.9%) Land $88,500 Building $341,400	$429,900 (+63.9%) Land $88,500 Building $341,400
2023	$1,755.00	$262,300 Land $48,000 Building $214,300	$262,300 Land $48,000 Building $214,300

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

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

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	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	UNION COUNTY WATER SYSTEM serves 169,685 people · EPA ID NC0190413
Water Source	Surface water
Last State Inspection	May 2026
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Mar 2020 Haloacetic acids resolved · Jul 2017
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 69 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

Cell Coverage

5G (outdoors only) and 4G LTE

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