204 Harvard St, Monroe, NC 28112 Property Records

Union County property record for 204 Harvard St, Monroe, NC 28112

Property Summary

Property Type	Rural Home
Details	3 bd · 1 ba · 1,080 sqft · built 1955
Lot Size	0.279 acres (12,153 sqft)
Owner	2 Individual Names on Record
Last Sale	$218,000 (Nov 2020)
Tax Bill	$2,031 (2025)
Deeds & Mortgages	Nov 2020 Sale & Mortgage May 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-276-045`

Property Details

APN / Parcel Number

Primary APN	`09-276-045`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,080 sqft Living Area
1st Floor Area	1,080 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,153 sqft (0.279 acres)
Porch	Porch
Porch Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	204 HARVARD ST
City	MONROE
State	NC
Zip	28112-5948
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R-10 MONRO
Legal Description	#7 - #9 WALTERS PB03 PG16
Legal Subdivision	LANDS OF RAY WALTERS
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	2
Census Block	2004
Census Tract	20502

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	2 Individual Names on Record
Mailing Address	204 HARVARD ST, MONROE, NC 28112-5948
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 16, 2020	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE
May 21, 2018	Grant Deed, Transfer · Conventional with PMI QUICKEN LNS
Nov 15, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 16, 2020 · Amount on Record
Deed Sale	Nov 16, 2020 · Amount on Record
Prior Sale	May 21, 2018 · Amount on Record
Deed Document Number	202047301
Deed Book / Page	7886 / 860
Prior Transfer Date	Nov 26, 2015
Prior Transfer Doc	0127001108
Record Updated	Oct 29, 2026

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Nov 16, 2020
Property Address	204 HARVARD ST, MONROE, NC 28112-5948
Document Number	0007886860
Book / Page	7886 / 860
Map Reference	MB 3 PG 16
Instrument Date	Nov 16, 2020
Instrument	47301
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	INVESTORS TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$436.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	219 S POTTER RD, 219, MONROE, NC 28110-9552

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	204 HARVARD ST, MONROE, NC 28112-5948

Mortgage

Document Number	0000047302
Date	Nov 16, 2020
Instrument	47302

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	UNION NC
Recording Date	May 21, 2018
Property Address	204 HARVARD ST, MONROE, NC 28112-5948
Document Number	7159705
Book / Page	007159 / 000705
Instrument Date	May 21, 2018
Instrument	13589
Transaction Type	Transfer
Record Updated	Jun 19, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$250.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	204 HARVARD ST MONROE NC 281125948, MONROE, NC 28112-5948

Mortgage

Document Number	7159708
Date	May 21, 2018
Book Page	007159/000708
Instrument	13590

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 20, 2048

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Nov 15, 2017
Property Address	204 HARVARD ST, MONROE, NC 28112-5948
Document Number	7054420
Book / Page	007054 / 000420
Instrument Date	Nov 15, 2017
Instrument	33737
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$130.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	915 W SANDY RIDGE RD MONROE NC 281129335, MONROE, NC 28112-9335

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		$232,400 (-) Land $49,700 Building $182,700	$232,400 (-) Land $49,700 Building $182,700
2025	$2,031.00 (+33.97%)	$232,400 (+67.07%) Land $49,700 Building $182,700	$232,400 (+67.07%) Land $49,700 Building $182,700
2023	$1,516.00	$139,100 Land $12,500 Building $126,600	$139,100 Land $12,500 Building $126,600

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	2 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 284 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.

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