1806 Polk St, Monroe, NC 28110 Property Records

Union County property record for 1806 Polk St, Monroe, NC 28110

Property Summary

Property Type	Rural Home
Details	3 bd · 2.5 ba · 1,316 sqft · built 1961
Lot Size	0.259 acres (11,282 sqft)
Owner	Individual Name on File
Last Sale	$222,000 (Sep 2021)
Tax Bill	$1,765 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-188-011`

Property Details

APN / Parcel Number

Primary APN	`09-188-011`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,316 sqft Living Area
1st Floor Area	1,316 sqft

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	11,282 sqft (0.259 acres)
Garage Type	Carport
Garage Area	336 sqft
Carport	Carport
Carport Area	336 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	160 sqft
Deck Area	168 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1806 POLK ST
City	MONROE
State	NC
Zip	28110-3653
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R-10 MONRO
Legal Description	8254-575
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	1
Census Block	1001
Census Tract	20601

Owner

1806 Polk St, a rural home, is owned and occupied by an individual who bought it in September 2021.

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

Owner of Record	Individual Name on File
Mailing Address	1806 POLK ST, MONROE, NC 28110-3653
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 24, 2021 · Amount on File
Deed Sale	Sep 24, 2021 · Amount on File
Deed Document Number	202145424
Deed Book / Page	8254 / 575
Record Updated	Oct 29, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Sep 24, 2021
Property Address	1806 POLK ST, MONROE, NC 28110-3653
Document Number	8254575
Book / Page	8254 / 575
Instrument Date	Sep 23, 2021
Instrument	45424
Transaction Type	Transfer
Record Updated	Oct 6, 2021
Title Company	INVESTORS TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$444.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	205 TRINITY CHURCH RD, 205, MONROE, NC 28112-8962

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1806 POLK ST, MONROE, NC 28110-3653

Mortgage

Document Number	45425
Date	Sep 24, 2021
Instrument	45425

Lender

Name	LATINO COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	6%
Change Frequency	5 Years
Min Rate At Change	5.75%
Max Rate At Change	6%
Index	5-Year CMT

Tax Assessment & Valuation

The 2025 property tax bill for 1806 Polk St was $1,765.

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		$201,900 (-) Land $33,000 Building $168,900	$201,900 (-) Land $33,000 Building $168,900
2025	$1,765.00	$201,900 Land $33,000 Building $168,900	$201,900 Land $33,000 Building $168,900
2023	$1,547.00	$141,900 Land $14,800 Building $127,100	$141,900 Land $14,800 Building $127,100

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

Flood

FEMA maps place 1806 Polk St 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 1806 Polk St is low, with less than 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 95% of the US · lower than 97.4% of North Carolina
Wildfire Likelihood	Under 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	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 132 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20