203 Charles St, Monroe, NC 28112 Property Records

Union County property record for 203 Charles St, Monroe, NC 28112

Property Summary

Property Type	Rural Home
Details	4 bd · 3.5 ba · 3,612 sqft · built 1926
Lot Size	0.45 acres (19,602 sqft)
Owner	Individual Name on Record
Last Sale	$160,000 (Feb 2018)
Tax Bill	$1,042 (2025)
Deeds & Mortgages	Feb 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-231-067`

Property Details

APN / Parcel Number

Primary APN	`09-231-067`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	3,612 sqft Living Area
1st Floor Area	1,806 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1926
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Slate
Lot Area	19,602 sqft (0.45 acres)
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	783 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	203 CHARLES ST
City	MONROE
State	NC
Zip	28112-6098
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	OT MONROE
Legal Description	7097-515
Legal Subdivision	MCCAULEY
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	1
Census Block	1037
Census Tract	20602

Historic Designation

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

Historic District	Within the Monroe Residential Historic District listed 1988 · 381 contributing resources · NRIS 87002204

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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	11804 SIR FRANCIS DRAKE DR, CHARLOTTE, NC 28277-5806
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 2, 2018 · Amount on Record
Deed Sale	Feb 2, 2018 · Amount on Record
Deed Document Number	20182842
Deed Book / Page	7097 / 515
Record Updated	Oct 29, 2026

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Feb 2, 2018
Property Address	203 CHARLES ST, MONROE, NC 28112-6098
Document Number	7097515
Book / Page	007097 / 000515
Instrument Date	Feb 1, 2018
Instrument	2842
Transaction Type	Transfer
Record Updated	Feb 22, 2018
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$320.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11804 SIR FRANCIS DRAKE DR CHARLOTTE NC 282775806, CHARLOTTE, NC 28277-5806

Mortgage

Document Number	7097518
Date	Feb 2, 2018
Book Page	007097/000518
Instrument	2843

Lender

Name	WANDA L HALL
Address	196 N TRADE ST, MATTHEWS, NC 28105-1711
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	24 Months
Due	Feb 1, 2020

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		$119,300 (-) Land $86,100 Building $33,200	$119,300 (-) Land $86,100 Building $33,200
2025	$1,042.00 (-49.69%)	$119,300 (-37.21%) Land $86,100 Building $33,200	$119,300 (-37.21%) Land $86,100 Building $33,200
2023	$2,071.00	$190,000 Land $47,300 Building $142,700	$190,000 Land $47,300 Building $142,700

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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	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 285 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20