212 N Main St, Monroe, NC 28112 Property Records

Union County property record for 212 N Main St, Monroe, NC 28112

Property Summary

Property Type	Office Building
Details	2,880 sqft · built 1930
Lot Size	0.034 acres (1,481 sqft)
Owner	Company Name on File
Last Sale	$170,000 (Aug 2022)
Tax Bill	$3,631 (2025)
Deeds & Mortgages	Dec 2023 Second Mortgage Apr 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-232-052`

Property Details

APN / Parcel Number

Primary APN	`09-232-052`

Interior

Stories	2 Stories
Building Area	2,880 sqft Total Area

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Fire Resistance	Masonry Walls, Wood Interior
Roof Material	Asphalt
Lot Area	1,481 sqft (0.034 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	212 N MAIN ST
City	MONROE
State	NC
Zip	28112-4723
Property Category	Commercial
Property Type	Commercial > Office > Office Building
Local Zoning Code	CBD MONROE
Legal Description	7145-899
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	2
Census Block	2040
Census Tract	20501

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Monroe Downtown Historic District listed 1988 · 26 contributing resources · NRIS 87002202

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

212 N Main St, a commercial property, is owned by a company that acquired it in September 2023.

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

Owner of Record	Company Name on File
Mailing Address	212 N MAIN ST, MONROE, NC 28112-4723
Owner Type	Company
Vesting	Company

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
Dec 4, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage COGENT BANK
Apr 27, 2018	Warranty Deed, Transfer · Conventional with PMI PINNACLE BK/SIOUX CTY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 9, 2022 · Amount on File
Deed Sale	Aug 9, 2022 · Amount on File
Prior Sale	Apr 27, 2018 · Amount on File
Deed Document Number	202228159
Deed Book / Page	8544 / 427
Last Transfer Date	Sep 1, 2023
Transfer Doc	0000022538
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	212 N MAIN ST, MONROE, NC 28112-4723
Transaction Type	Mortgage
Record Updated	Dec 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	212 N MAIN ST, MONROE, NC 28112-4723

Mortgage

Document Number	0008821619
Date	Dec 4, 2023
Book Page	8821/619
Instrument	28990

Lender

Name	COGENT BANK
Type	Bank
Address	NASHVILLE, TN 37201

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Apr 27, 2018
Property Address	212 N MAIN ST, MONROE, NC 28112-4723
Document Number	7145899
Book / Page	007145 / 000899
Instrument Date	Apr 27, 2018
Instrument	11281
Transaction Type	Transfer
Record Updated	May 30, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$260.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	212 N MAIN ST MONROE NC 281124723, MONROE, NC 28112-4723

Mortgage

Document Number	7145901
Date	Apr 27, 2018
Book Page	007145/000901
Instrument	11282

Lender

Name	PINNACLE BK/SIOUX CTY
Type	Bank
Address	MONROE, NC 28110

Agreement

Type	Conventional with PMI
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 212 N Main St was $3,631.

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		$351,100 (-) Land $20,400 Building $330,700	$351,100 (-) Land $20,400 Building $330,700
2025	$3,631.00	$351,100 Land $20,400 Building $330,700	$351,100 Land $20,400 Building $330,700
2023	$1,894.00	$147,400 Land $15,300 Building $132,100	$147,400 Land $15,300 Building $132,100

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

Flood

FEMA maps place 212 N Main 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 212 N Main 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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