2204 Lancaster Ave, Monroe, NC 28112 Property Records

Union County property record for 2204 Lancaster Ave, Monroe, NC 28112

Property Summary

Property Type	Other Improved
Details	4 bd · 2.5 ba · 2,120 sqft · built 2021
Lot Size	0.937 acres (40,816 sqft)
Owner	Individual Name on Record
Last Sale	$355,000 (Jul 2025)
Tax Bill	$4,112 (2025)
Deeds & Mortgages	Jul 2025 Sale & Mortgage Sep 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-327-025`

Property Details

APN / Parcel Number

Primary APN	`09-327-025`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,120 sqft Living Area
1st Floor Area	860 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Lot Area	40,816 sqft (0.937 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2204 LANCASTER AVE
City	MONROE
State	NC
Zip	28112-6138
Property Category	Other
Property Type	Other > Other Improved
Local Zoning Code	R-20 MONRO
Legal Description	#2 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	Individual Name on Record
Mailing Address	2204 LANCASTER AVE, MONROE, NC 28112-6138
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2025	Warranty Deed, Transfer · Conventional Mortgage US BANK NA
Sep 10, 2021	Warranty Deed, Transfer
Feb 10, 2021	Warranty Deed, Construction Loan · Construction Mortgage EMERALD POINTE REALTY & CONSTRUCTION INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 29, 2025 · Amount on Record
Deed Sale	Jul 29, 2025 · Amount on Record
Prior Sale	Sep 10, 2021 · Amount on Record
Deed Document Number	202519067
Deed Book / Page	9167 / 339
Record Updated	Oct 29, 2026

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Jul 29, 2025
Property Address	2204 LANCASTER AVE, MONROE, NC 28112-6138
Document Number	0009167339
Book / Page	9167 / 339
Map Reference	MB 7 PG 70
Instrument Date	Jul 1, 2025
Instrument	19067
Transaction Type	Transfer
Record Updated	Mar 31, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$710.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000019068
Date	Jul 29, 2025
Instrument	19068

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2055

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Sep 10, 2021
Property Address	2204 LANCASTER AVE, MONROE, NC 28112-6138
Document Number	0008238564
Book / Page	8238 / 564
Map Reference	MB 7 PG 70
Instrument Date	Sep 7, 2021
Instrument	43138
Transaction Type	Transfer
Record Updated	Mar 31, 2026

Transaction

Amount	Amount Recorded
Tax	$648.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5303 SECREST SHORTCUT RD, MONROE, NC 28110-9173

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2515 NELDA DR, MONROE, NC 28110-8503

February 2021: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Feb 10, 2021
Property Address	2204 LANCASTER AVE, MONROE, NC 28112-6138
Document Number	0007985363
Book / Page	7985 / 363
Map Reference	MB 7 PG 70
Instrument Date	Feb 9, 2021
Instrument	6290
Transaction Type	Construction Loan
Record Updated	Mar 31, 2026

Transaction

Amount	Amount Recorded
Tax	$156.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5303 SECREST SHORTCUT RD, MONROE, NC 28110-9173
Investor	Possibly a Property Investor

Mortgage

Document Number	0007985370
Date	Feb 10, 2021
Book Page	7985/370
Instrument	6292

Lender

Name	EMERALD POINTE REALTY & CONSTRUCTION INC
Type	Non-Lending Institution
Address	MONROE, NC 28110

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Feb 9, 2022

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		$470,400 (-) Land $71,200 Building $399,200	$470,400 (-) Land $71,200 Building $399,200
2025	$4,112.00 (+9.13%)	$470,400 (+36.11%) Land $71,200 Building $399,200	$470,400 (+36.11%) Land $71,200 Building $399,200
2023	$3,768.00	$345,600 Land $50,300 Building $295,300	$345,600 Land $50,300 Building $295,300

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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