209 S West St, Monroe, NC 28112 Property Records

Union County property record for 209 S West St, Monroe, NC 28112

Property Summary

Property Type	Rural Home
Details	3 bd · 1.5 ba · 1,381 sqft · built 1968
Lot Size	0.223 acres (9,714 sqft)
Owner	2 Individual Names on File
Last Sale	$160,000 (Mar 2019)
Tax Bill	$2,756 (2025)
Deeds & Mortgages	Mar 2019 Sale & Mortgage Mar 2018 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`09-273-100`

Property Details

APN / Parcel Number

Primary APN	`09-273-100`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,381 sqft Living Area
1st Floor Area	1,333 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,714 sqft (0.223 acres)
Porch	Slab
Porch Area	18 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	209 S WEST ST
City	MONROE
State	NC
Zip	28112-5360
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R-10 MONRO
Legal Description	7332-565
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	1
Census Block	1025
Census Tract	20501

Owner

209 S West St, a rural home, is owned and occupied by two individuals who bought it in March 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	209 S WEST ST, MONROE, NC 28112-5360
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
Mar 19, 2019	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage FIFTH THIRD BANK
Mar 9, 2018	Trustee's Deed, Construction Loan · Construction Mortgage CASON HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 19, 2019 · Amount on File
Deed Sale	Mar 19, 2019 · Amount on File
Prior Sale	Mar 9, 2018 · Amount on File
Deed Document Number	20196883
Deed Book / Page	7332 / 565
Prior Transfer Date	Feb 23, 2018
Prior Transfer Doc	7116398
Record Updated	Oct 29, 2026

March 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Mar 19, 2019
Property Address	209 S WEST ST, MONROE, NC 28112-5360
Document Number	0007332565
Book / Page	7332 / 565
Instrument Date	Mar 19, 2019
Instrument	0006883
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 14, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$320.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	209 S WEST ST, MONROE, NC 28112-5360

Mortgage

Document Number	0000006884
Date	Mar 19, 2019
Instrument	0006884

Lender

Name	FIFTH THIRD BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2049

March 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	UNION NC
Recording Date	Mar 9, 2018
Property Address	209 S WEST ST, MONROE, NC 28112-5360
Book / Page	007116 / 000398
Instrument Date	Mar 9, 2018
Instrument	6203
Transaction Type	Construction Loan
Record Updated	Mar 23, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3229 KAREN LN MONROE NC 281109326, MONROE, NC 28110-9326

Mortgage

Document Number	7116398
Date	Mar 9, 2018
Book Page	007116/000398
Instrument	6203

Lender

Name	CASON HM LNS
Type	Funding / Finance Company
Address	MARSHVILLE, NC 28103

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Mar 8, 2019

Tax Assessment & Valuation

The 2025 property tax bill for 209 S West St was $2,756.

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		$315,300 (-) Land $32,700 Building $282,600	$315,300 (-) Land $32,700 Building $282,600
2025	$2,756.00	$315,300 Land $32,700 Building $282,600	$315,300 Land $32,700 Building $282,600
2023	$1,769.00	$162,300 Land $17,200 Building $145,100	$162,300 Land $17,200 Building $145,100

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

Flood

FEMA maps place 209 S West St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.

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	3 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2024 · other causes

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

Wildfire risk around 209 S West 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 259 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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