202 N Main St, Monroe, NC 28112 Property Records

Union County property record for 202 N Main St, Monroe, NC 28112

Property Summary

Property Type	Commercial
Details	3,660 sqft · built 1930
Lot Size	0.044 acres (1,917 sqft)
Owner	Company Name on Record
Last Sale	$217,000 (Jan 2021)
Tax Bill	$4,333 (2025)
Deeds & Mortgages	May 2024 Construction Loan Aug 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`09-232-056`

Property Details

APN / Parcel Number

Primary APN	`09-232-056`

Interior

Units	5 Units
Stories	3 Stories
Building Area	3,660 sqft Total Area

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Fire Resistance	Masonry Walls, Wood Interior
Roof Material	Asphalt
Lot Area	1,917 sqft (0.044 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	202 N MAIN ST
City	MONROE
State	NC
Zip	28112-6487
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	CBD MONROE
Legal Description	7947-689
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	2
Census Block	2040
Census Tract	20501

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Monroe Downtown Historic District listed 1988 · 26 contributing resources · NRIS 87002202

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	Company Name on Record
Mailing Address	201 N MAIN ST, 111, MONROE, NC 28112-4755
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
May 10, 2024	Deed of Trust, Mortgage · Construction Mortgage AMERICAN BANK OF THE CAROLINAS
Aug 8, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 8, 2021 · Amount on Record
Deed Sale	Jan 8, 2021 · Amount on Record
Prior Sale	Aug 8, 2019 · Amount on Record
Deed Document Number	2021977
Deed Book / Page	7947 / 689
Record Updated	Oct 29, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	202 N MAIN ST, MONROE, NC 28112-4723
Transaction Type	Mortgage
Record Updated	May 21, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	201 N MAIN ST 111, 111, MONROE, NC 28112-4755

Mortgage

Document Number	0000890230
Date	May 10, 2024
Book Page	8902/30
Instrument	10718

Lender

Name	AMERICAN BANK OF THE CAROLINAS
Type	Bank
Address	MONROE, NC 28112

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Aug 8, 2019
Property Address	200 N MAIN ST, MONROE, NC 28112-4723
Document Number	743568
Book / Page	007435 / 000068
Instrument Date	Jul 24, 2019
Instrument	23165
Transaction Type	Transfer
Record Updated	Sep 13, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$315.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	200 N MAIN ST MONROE NC 281124723, MONROE, NC 28112-4723

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		$419,000 (-) Land $29,300 Building $389,700	$419,000 (-) Land $29,300 Building $389,700
2025	$4,333.00 (+62.35%)	$419,000 (+101.73%) Land $29,300 Building $389,700	$419,000 (+101.73%) Land $29,300 Building $389,700
2023	$2,669.00	$207,700 Land $22,000 Building $185,700	$207,700 Land $22,000 Building $185,700

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	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 212 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

May also be available: Frontier, T-Mobile.

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