1408 Henry Smith Rd, Monroe, NC 28110 Property Records

Union County property record for 1408 Henry Smith Rd, Monroe, NC 28110

Property Summary

Property Type	Rural Home
Details	2 ba · 1,861 sqft · built 2002
Lot Size	0.61 acres (26,572 sqft)
Owner	Individual Name on Record
Last Sale	$253,000 (Mar 2019)
Tax Bill	$2,208 (2025)
Deeds & Mortgages	Mar 2019 Sale & Mortgage Nov 2018 Sale & Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-129-060`

Property Details

APN / Parcel Number

Primary APN	`08-129-060`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,861 sqft Living Area
Gross Area	2,437 sqft
1st Floor Area	1,861 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	26,572 sqft (0.61 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	28 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1408 HENRY SMITH RD
City	MONROE
State	NC
Zip	28110-7715
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	RA-40 UNIO
Legal Description	#17 LOXDALE FARMS OPCG523-524
Legal Subdivision	LOXDALE FARMS
Legal Lot Number	17
Jurisdiction	UNION NC
Township / Civil Division	GOOSE CREEK
Census Block Group	2
Census Block	2022
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	Individual Name on Record
Mailing Address	1408 HENRY SMITH RD, MONROE, NC 28110-7715
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2019	Warranty Deed, Transfer · Conventional Mortgage ALCOVA MORTGAGE LLC
Nov 21, 2018	Grant Deed, Transfer · Line of Credit NRP MTG TR I
Nov 2, 2018	Trustee's Deed, Construction Loan · Line of Credit PINNACLE BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 11, 2019 · Amount on Record
Deed Sale	Mar 11, 2019 · Amount on Record
Prior Sale	Nov 21, 2018 · Amount on Record
Deed Document Number	20196013
Deed Book / Page	7327 / 650
Prior Transfer Date	Apr 11, 2012
Prior Transfer Doc	5718780
Record Updated	Oct 29, 2026

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Mar 11, 2019
Property Address	1408 HENRY SMITH RD, MONROE, NC 28110-7715
Document Number	0007327650
Book / Page	7327 / 650
Map Reference	CAB G FILE 523&524
Instrument Date	Jan 30, 2019
Instrument	0006013
Transaction Type	Transfer
Record Updated	Aug 24, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$506.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	405 HOWARD ST STE 550, 405, SAN FRANCISCO, CA 94105-2999

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006014
Date	Mar 11, 2019
Instrument	0006014

Lender

Name	ALCOVA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

November 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	UNION NC
Recording Date	Nov 21, 2018
Property Address	1408 HENRY SMITH RD, MONROE, NC 28110-7715
Document Number	7272171
Book / Page	007272 / 000171
Instrument Date	Nov 19, 2018
Instrument	32372
Transaction Type	Transfer
Record Updated	Dec 19, 2018
Title Company	OS NATIONAL LLC, OS NAT'L LLC

Transaction

Amount	Amount Recorded
Tax	$484.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	405 HOWARD ST #550 SAN FRANCISCO CA 941052999, 550, SAN FRANCISCO, CA 94105-2999
Investor	Possibly a Property Investor

Mortgage

Document Number	7272173
Date	Nov 21, 2018
Book Page	007272/000173
Instrument	32373

Lender

Name	NRP MTG TR I
Address	500 DELAWARE AVE # 11TH, WILMINGTON, DE 19801-1490

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 20, 2048

Interest

Rate Type	Adjustable Rate

November 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	UNION NC
Recording Date	Nov 2, 2018
Property Address	1408 HENRY SMITH RD, MONROE, NC 28110-7715
Book / Page	007263 / 000078
Instrument Date	Oct 17, 2018
Instrument	30812
Transaction Type	Construction Loan
Record Updated	Dec 17, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1408 HENRY SMITH RD MONROE NC 281107715, MONROE, NC 28110-7715

Mortgage

Document Number	726378
Date	Nov 2, 2018
Book Page	007263/000078
Instrument	30812

Lender

Name	PINNACLE BK
Type	Bank
Address	MONROE, NC 28110

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Nov 1, 2019

Interest

Rate Type	Adjustable Rate

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		$434,600 (-) Land $88,500 Building $346,100	$434,600 (-) Land $88,500 Building $346,100
2025	$2,208.00 (+22.8%)	$434,600 (+61.8%) Land $88,500 Building $346,100	$434,600 (+61.8%) Land $88,500 Building $346,100
2023	$1,798.00	$268,600 Land $48,000 Building $220,600	$268,600 Land $48,000 Building $220,600

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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