2118 Lancaster Ave, Monroe, NC 28112 Property Records

Union County property record for 2118 Lancaster Ave, Monroe, NC 28112

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,630 sqft · built 1975
Lot Size	0.878 acres (38,246 sqft)
Owner	2 Individual Names on Record
Last Sale	$335,000 (Mar 2024)
Tax Bill	$2,605 (2025)
Deeds & Mortgages	Mar 2024 Sale & Mortgage Sep 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`09-327-048`

Property Details

APN / Parcel Number

Primary APN	`09-327-048`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,630 sqft Living Area
Gross Area	1,786 sqft
1st Floor Area	1,026 sqft

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	38,246 sqft (0.878 acres)
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	298 sqft
Deck Area	120 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2118 LANCASTER AVE
City	MONROE
State	NC
Zip	28112-6136
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R-20 MONRO
Legal Description	#25 SOUTH GATE ESTATES PB07 PG70
Legal Subdivision	SOUTH GATE ESTATES
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	3
Census Block	3054
Census Tract	20501

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	2118 LANCASTER AVE, MONROE, NC 28112-6136
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 20, 2024	Warranty Deed, Transfer · Conventional Mortgage FOUNDERS FCU
Sep 21, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 20, 2024 · Amount on Record
Deed Sale	Mar 20, 2024 · Amount on Record
Prior Sale	Sep 21, 2018 · Amount on Record
Deed Document Number	20245971
Deed Book / Page	8871 / 138
Prior Transfer Date	Sep 20, 2018
Prior Transfer Doc	7238456
Record Updated	Oct 29, 2026

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Mar 20, 2024
Property Address	2118 LANCASTER AVE, MONROE, NC 28112-6136
Document Number	0008871138
Book / Page	8871 / 138
Map Reference	MB 7 PG 70
Instrument Date	Mar 20, 2024
Instrument	5971
Transaction Type	Transfer
Record Updated	Apr 3, 2024

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$670.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2118 LANCASTER AVE, MONROE, NC 28112-6136

Mortgage

Document Number	0000005972
Date	Mar 20, 2024
Instrument	5972

Lender

Name	FOUNDERS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 5, 2054

Interest

Rate Type	Adjustable Rate
Rate	7.75%
Type Change Date	Apr 5, 2031
Change Frequency	Annually
Min Rate At Change	5.75%
Max Rate At Change	9.75%
Index	10-Year TN
Max Rate	13.7%

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Sep 21, 2018
Property Address	2118 LANCASTER AVE, MONROE, NC 28112-6136
Document Number	7238456
Book / Page	007238 / 000456
Instrument Date	Sep 20, 2018
Instrument	26727
Transaction Type	Transfer
Record Updated	Oct 10, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$26.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2118 LANCASTER AVE MONROE NC 281126136, MONROE, NC 28112-6136

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		$298,000 (-) Land $70,300 Building $227,700	$298,000 (-) Land $70,300 Building $227,700
2025	$2,605.00 (+3.13%)	$298,000 (+28.61%) Land $70,300 Building $227,700	$298,000 (+28.61%) Land $70,300 Building $227,700
2023	$2,526.00	$231,700 Land $49,400 Building $182,300	$231,700 Land $49,400 Building $182,300

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	3 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 137 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Frontier.

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