305 S Main St, Monroe, NC 28112 Property Records

Union County property record for 305 S Main St, Monroe, NC 28112

Property Summary

Property Type	Office Building
Details	3 bd · 2 ba · 4,062 sqft · built 1906
Lot Size	0.73 acres (31,799 sqft)
Owner	Company Name on Record
Last Sale	$350,000 (Mar 2008)
Tax Bill	$8,231 (2025)
Deeds & Mortgages	Jul 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-232-076`

Property Details

APN / Parcel Number

Primary APN	`09-232-076`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	4,062 sqft Total Area
1st Floor Area	1,944 sqft

Exterior

Year Built	Built 1906
Effective Year Built	Effective 1906
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Wood
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	31,799 sqft (0.73 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	1,010 sqft
Deck Area	101 sqft
Patio Area	101 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	305 S MAIN ST
City	MONROE
State	NC
Zip	28112-5546
Property Category	Commercial
Property Type	Commercial > Office > Office Building
Local Zoning Code	CBD MONROE
Legal Description	305 S MAIN ST
Jurisdiction	UNION NC
Township / Civil Division	MONROE
Census Block Group	2
Census Block	2095
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 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	Company Name on Record
Mailing Address	400 W WINDSOR ST, MONROE, NC 28112-4748
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 10, 2008 · Amount on Record
Deed Sale	Mar 10, 2008 · Amount on Record
Prior Sale	Sep 1, 2005 · Amount on Record
Deed Document Number	20088760
Deed Book / Page	4832 / 144
Prior Transfer Date	Aug 30, 2005
Prior Transfer Doc	0003901580
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION NC
Property Address	305 S MAIN ST, MONROE, NC 28112-5546
Transaction Type	Mortgage
Record Updated	Aug 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008529274
Date	Jul 20, 2022
Book Page	8529/274
Instrument	25786

Lender

Name	AMERICAN BANK OF THE CAROLINAS
Type	Bank
Address	28122

Agreement

Amount	Amount Recorded

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		$941,600 (-) Land $436,900 Building $504,700	$941,600 (-) Land $436,900 Building $504,700
2025	$8,231.00 (+17.42%)	$941,600 (+46.46%) Land $436,900 Building $504,700	$941,600 (+46.46%) Land $436,900 Building $504,700
2023	$7,010.00	$642,900 Land $237,300 Building $405,600	$642,900 Land $237,300 Building $405,600

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	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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