203 W Houston St, Monroe, NC 28112 Property Records

Union County property record for 203 W Houston St, Monroe, NC 28112

Property Summary

Property Type	Rural Home
Details	2 bd · 2 ba · 1,902 sqft · built 1923
Lot Size	0.313 acres (13,634 sqft)
Owner	Individual Name on File
Last Sale	$307,500 (Oct 2023)
Tax Bill	$2,564 (2025)
Deeds & Mortgages	Oct 2023 Sale Sep 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-235-100`

Property Details

APN / Parcel Number

Primary APN	`09-235-100`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,902 sqft Living Area
Gross Area	1,939 sqft
1st Floor Area	1,659 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1923
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	13,634 sqft (0.313 acres)
Garage Type	Detached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	404 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	203 W HOUSTON ST
City	MONROE
State	NC
Zip	28112-5516
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R-10 MONRO
Legal Description	8792-0472
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	2
Census Block	2098
Census Tract	20501

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

203 W Houston St, a rural home, is owned and occupied by an individual who bought it in October 2023.

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

Owner of Record	Individual Name on File
Mailing Address	203 W HOUSTON ST, MONROE, NC 28112-5516
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

Date	Document
Oct 5, 2023	Warranty Deed, Transfer
Sep 28, 2017	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 5, 2023 · Amount on File
Deed Sale	Oct 5, 2023 · Amount on File
Prior Sale	Sep 28, 2017 · Amount on File
Deed Document Number	202324279
Deed Book / Page	8792 / 472
Record Updated	Oct 29, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Oct 5, 2023
Property Address	203 W HOUSTON ST, MONROE, NC 28112-5516
Document Number	0000879247
Book / Page	8792 / 47
Instrument Date	Oct 5, 2023
Instrument	24279
Transaction Type	Transfer
Record Updated	Oct 23, 2023

Transaction

Amount	Amount on Record
Tax	$615.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	392 FEATHER FALLS TRL, BLACK MOUNTAIN, NC 28711-8833

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 W HOUSTON ST, MONROE, NC 28112-5516

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Sep 28, 2017
Property Address	203 W HOUSTON ST, MONROE, NC 28112-5516
Document Number	0007024182
Book / Page	7024 / 182
Instrument Date	Sep 19, 2017
Instrument	0028666
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	CHICAGO TITLE INSURANCE COMP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$332.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 W HOUSTON ST, MONROE, NC 28112-5516

Mortgage

Document Number	0000028667
Date	Sep 28, 2017
Instrument	0028667

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 203 W Houston St was $2,564.

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		$238,000 (-18.88%) Land $50,100 Building $187,900	$238,000 (-18.88%) Land $50,100 Building $187,900
2025	$2,564.00	$293,400 Land $50,100 Building $243,300	$293,400 Land $50,100 Building $243,300
2023	$1,840.00	$168,800 (-) Land $12,800 Building $156,000	$168,800 (-) Land $12,800 Building $156,000
2022	$1,840.00	$168,800 Land $12,800 Building $156,000	$168,800 Land $12,800 Building $156,000

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

Flood

FEMA maps place 203 W Houston 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 203 W Houston St is low, with 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 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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