201 Lydia St, Monroe, NC 28110 Property Records

Union County property record for 201 Lydia St, Monroe, NC 28110

Property Summary

Property Type	Rural Home
Details	2 bd · 1 ba · 1,210 sqft · built 1954
Lot Size	0.32 acres (13,939 sqft)
Owner	Individual Name on Record
Last Sale	$237,000 (Jan 2022)
Tax Bill	$1,872 (2025)
Deeds & Mortgages	Jan 2022 Sale & Mortgage Jul 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-226-120`

Property Details

APN / Parcel Number

Primary APN	`09-226-120`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,210 sqft Living Area
1st Floor Area	1,181 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	13,939 sqft (0.32 acres)
Porch	Porch
Porch Area	153 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	201 LYDIA ST
City	MONROE
State	NC
Zip	28110-2942
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R-10 MONRO
Legal Description	8376-356
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	1
Census Block	1012
Census Tract	20406

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	1612 MACKENZIE LN, MONROE, NC 28110-9111
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 19, 2022	Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Jul 22, 2021	Deed of Trust, Mortgage AMERICAN BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 19, 2022 · Amount on Record
Deed Sale	Jan 19, 2022 · Amount on Record
Prior Sale	May 7, 2007 · Amount on Record
Deed Document Number	20222226
Deed Book / Page	8376 / 356
Prior Transfer Date	Oct 31, 2002
Prior Transfer Doc	1979807
Record Updated	Oct 29, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Jan 19, 2022
Property Address	201 LYDIA ST, MONROE, NC 28110-2942
Document Number	0008376356
Book / Page	8376 / 356
Instrument Date	Jan 18, 2022
Instrument	2226
Transaction Type	Transfer
Record Updated	Feb 2, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$474.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1612 MACKENZIE LN, MONROE, NC 28110-9111

Mortgage

Document Number	0000002227
Date	Jan 19, 2022
Instrument	2227

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

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

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	201 LYDIA ST, MONROE, NC 28110-2942
Transaction Type	Mortgage
Record Updated	Aug 11, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	309 AUSTIN ST, MONROE, NC 28112-6301

Mortgage

Document Number	8179466
Date	Jul 22, 2021
Book Page	8179/466
Instrument	34619

Lender

Name	AMERICAN BANK
Type	Bank
Address	MONROE, NC 28112

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

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		$214,200 (-) Land $32,200 Building $182,000	$214,200 (-) Land $32,200 Building $182,000
2025	$1,872.00 (+68.04%)	$214,200 (+109.59%) Land $32,200 Building $182,000	$214,200 (+109.59%) Land $32,200 Building $182,000
2023	$1,114.00	$102,200 Land $18,000 Building $84,200	$102,200 Land $18,000 Building $84,200

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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	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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