305 E Houston St, Monroe, NC 28112 Property Records

Union County property record for 305 E Houston St, Monroe, NC 28112

Property Summary

Property Type	Rural Home
Details	3 bd · 1.5 ba · 2,031 sqft · built 1931
Lot Size	0.365 acres (15,899 sqft)
Owner	Individual on Record
Last Sale	$240,000 (Oct 2019)
Tax Bill	$2,981 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Oct 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-231-125`

Property Details

APN / Parcel Number

Primary APN	`09-231-125`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,031 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1931
Effective Year Built	Effective 1931
Architectural Style	Conventional
Construction Type	Wood
Foundation Type	No Foundation
Roof Type	Gable
Lot Area	15,899 sqft (0.365 acres)
Garage Type	Detached
Garage Area	560 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	290 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	305 E HOUSTON ST
City	MONROE
State	NC
Zip	28112-5633
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R-10 MONRO
Legal Description	#1 OPCO801
Legal Subdivision	2939930
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	2
Census Block	2091
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

Source: Union County assessment roll, as of March 31, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual on Record
Mailing Address	18 COVIL AVE, WILMINGTON, NC 28403-0706
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2022	Deed of Trust, Mortgage · FHA Mortgage MIDLAND MORTGAGE
Oct 4, 2023	Deed of Trust, Mortgage · FHA Mortgage MIDFIRST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 15, 2019 · Amount on Record
Deed Sale	Oct 15, 2019 · Amount on Record
Prior Sale	Feb 6, 2002 · Amount on Record
Deed Document Number	201931685
Deed Book / Page	7490 / 304
Prior Transfer Date	Oct 11, 2019
Prior Transfer Doc	0007490301
Record Updated	Sep 20, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	305 E HOUSTON ST, MONROE, NC 28112-5633
Transaction Type	Mortgage
Record Updated	Nov 21, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 E HOUSTON ST, MONROE, NC 28112-5633

Mortgage

Document Number	0000849290
Date	Jun 2, 2022
Book Page	8492/90
Instrument	19935

Lender

Name	MIDLAND MORTGAGE
Type	Mortgage Company
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Apr 1, 2052

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	305 E HOUSTON ST, MONROE, NC 28112-5633
Transaction Type	Mortgage
Record Updated	Nov 21, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 E HOUSTON ST, MONROE, NC 28112-5633

Mortgage

Document Number	0000879134
Date	Oct 4, 2023
Book Page	8791/34
Instrument	24100

Lender

Name	MIDFIRST BANK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Oct 1, 2063

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
2025	$2,981.00 (+14.79%)	$341,000 (+43.16%) Land $50,700 Building $290,300	$341,000 (+43.16%) Land $50,700 Building $290,300
2023	$2,597.00	$238,200 Land $13,200 Building $225,000	$238,200 Land $13,200 Building $225,000

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

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

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 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.

Nearby Properties on E Houston St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures