207 W Houston St, Monroe, NC 28112 Property Records

Union County property record for 207 W Houston St, Monroe, NC 28112

Property Summary

Property Type	Rural Home
Details	4 bd · 2.5 ba · 3,550 sqft · built 1913
Lot Size	0.72 acres (31,363 sqft)
Owner	Individual Name on File
Last Sale	$172,485 (May 2013)
Tax Bill	$3,992 (2025)
Deeds & Mortgages	May 2023 Mortgage Jul 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`09-235-101`

Property Details

APN / Parcel Number

Primary APN	`09-235-101`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	3,550 sqft Living Area
Gross Area	4,277 sqft
1st Floor Area	1,462 sqft
Basement Area	727 sqft
Unfinished Basement	727 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1913
Effective Year Built	Effective 1913
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Wood
Foundation Type	Raised
Roof Type	Hip
Roof Material	Slate
Lot Area	31,363 sqft (0.72 acres)
Garage Type	Detached
Garage Area	484 sqft
Porch	Slab
Porch Area	882 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	207 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	207 W HOUSTON ST
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

207 W Houston St, a rural home, is owned and occupied by an individual who bought it in May 2013.

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

Owner of Record	Individual Name on File
Mailing Address	207 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
May 1, 2023	Deed of Trust, Mortgage · Conventional Mortgage WHITLEY MORTGAGE ASSOCIATES INC
Jul 26, 2017	Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 7, 2013 · Amount on File
Deed Sale	May 7, 2013 · Amount on File
Deed Document Number	201315513
Deed Book / Page	5998 / 564
Prior Transfer Date	May 3, 2013
Prior Transfer Doc	5998564
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	207 W HOUSTON ST, MONROE, NC 28112-5516
Transaction Type	Mortgage
Record Updated	May 16, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	207 W HOUSTON ST, MONROE, NC 28112-5516

Mortgage

Document Number	0008700130
Date	May 1, 2023
Book Page	8700/130
Instrument	10152

Lender

Name	WHITLEY MORTGAGE ASSOCIATES INC
Type	Mortgage Company
Address	MONROE, NC 28110

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	207 W HOUSTON ST, MONROE, NC 28112-5516
Document Number	6989199
Book / Page	006989 / 000199
Instrument Date	Jul 26, 2017
Transaction Type	Mortgage
Record Updated	Nov 21, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	207 W HOUSTON ST MONROE NC 281125516, MONROE, NC 28112-5516

Mortgage

Document Number	6989199
Date	Aug 7, 2017
Book Page	006989/000199
Instrument	22638

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 207 W Houston St was $3,992.

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		$456,700 (-) Land $54,900 Building $401,800	$456,700 (-) Land $54,900 Building $401,800
2025	$3,992.00	$456,700 Land $54,900 Building $401,800	$456,700 Land $54,900 Building $401,800
2023	$3,716.00	$340,800 Land $16,100 Building $324,700	$340,800 Land $16,100 Building $324,700

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

Flood

FEMA maps place 207 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 207 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 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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